©HE- 


AND 


PRACTICE 


Insuranc 


LIBRARY 

OF  THE 

University  of  California. 

Class 

SEVENTH   EDITION 


PRINCIPLES  *»d  PRACTICE 


OF 


LIFE  INSURANCE 


Originally    prepared     by    NATHAN    WILLEY,    Actuary.        Also     New     and 

Extended  Tables  based  on   the  American  and    Combined 

Experience   Mortality   Tables,   computed  at   3, 

3^2,   4   and  \Y2    per  cent,    interest 


New  Explanatory  Text  and  additions  by 

Henry  Moir,  f.  f.  a.,  f.  i.  a. 

Fellow  Actuarial  Society  of  America 


PRICE,     /^^Ps,  1 1 0.00 

UNIVERSITY 

OF 

New  York 
THE  SPECTATOR  COMPANY 
1906 


s^ 


COPYRIGHT   1905   BY 

THE  SPECTATOR  COMPANY 
NEW  YORK 


PREFACE  TO  THE  SEVENTH  EDITION. 

There  has  been  a  constant  demand  for  "  Principles  and 
Practice  of  Life  Insurance, ' '  and  in  submitting  a  new 
edition,  many  improvements  have  been  introduced  which 
will  doubtless  make  the  explanations  and  the  tabular 
matter  of  more  value  than  ever  to  the  student  and  to  the 
actuary.  The  publication  has  grown  from  a  small  be- 
ginning until  it  now  contains  complete  sets  of  tables 
which  are  indispensable  to  the  management  of  a  life  in- 
surance company. 

Additional  tables  have  been  added,  principally  at  3% 
and  3^%  interest,  and  on  the  basis  of  the  American 
Experience  Table  of  Mortality.  This  Mortality  Table  is 
being  used  to  a  much  greater  extent  than  formerly,  and 
the  steady  reduction  which  has  taken  place  in  the  rates 
of  interest  on  good  investments  has  caused  most  com- 
panies to  adopt  3£%,  and  some  of  them  3%,  as  their 
basis  for  premium  calculations  and  reserves.  The  old 
tables,  based  on  Actuaries'  4%  and  American  4J%,  are 
still  used  for  computing  the  values  of  old  policies,  while 
the  American  4%  Tables  have  been  retained  for  the  sake 
of  completeness,  and  because  in  one  or  two  States  they 
are  still  required. 

Among  the  additional  tables  will  be  found  "Costs  of 
Insurance,"  9,  14,  and  19  Payment  Life  premiums  and 
reserves,  and  9,  14,  and  19  Year  Endowment  premiums 
and  reserves.  These  tables  are  more  complete  than  any 
others  hitherto  published,  and  it  is  believed  also  that 
they  are  more  accurate.  Tables  showing  net  premiums 
and  terminal  net  values  for  term  policies  by  the  Am- 
erican Experience  Table  of  Mortality  at  3  and  3^% 
interest,  and  by  the  Combined  Experience  Table  at  4%, 
have  also  been  included. 

Fundamental  tables,  and  tables  of  the  life  and  en- 
dowment values  ordinarily  used  upon  the  American 
Experience  Table  of  Mortality,  with  interest  at  4%  and 
3£  %,  are  included  in  the  present  volume.  In  this  connec- 
tion we  desire  to  acknowledge  our  indebtedness  to  the 
Connecticut  Mutual  Life  Insurance  Company  for  the 
permission,  which  it  freely  gave,  to  reprint  the  3%  tables 


.#    t~»  r^  r\  r\  .-» 


from  its  published  volume  of  tables  by  the  American 
Experience  Table  of  Mortality.  . 

The  commutation  column  Rx,  useful  for  the  calcula- 
tion of  increasing  benefits,  has  been  added  to  the  Ameri- 
can Experience  Table  at  3%,  3£%,  and  4%  interest. 
The  values  of  several  other  functions,  such  as  life 
annuities,  single  premiums,  etc.,  have  also  been  amplified 
by  the  addition  of  those  for  younger  and  older  ages. 

The  introductory  explanations  have  been  entirely 
re-written.  They  are  divided  in  two  sections.  The  first 
contains  verbal  explanations  of  terms  commonly  used 
in  life  insurance,  and  given  in  alphabetical  order,  so  as  to 
be  suitable  for  ready  reference.  The  second  section  deals 
with  the  scientific  principles  on  which  life  insurance  is 
based,  enters  into  mathematical  formulas,  and  explains  the 
principles  of  life  insurance  to  such  an  extent  that  any 
student  can  thereby  attain  familiarity  with  the  tables 
which  form  the  main  portion  of  the  work., 

The  notation  used  in  the  mathematical  demonstrations 
is  in  accordance  with  the  system  recommended  by  the 
Actuarial  Society  of  America,  and  now  generally  used 
throughout  the  world  for  actuarial  purposes.  The 
International  Congress  of  Actuaries  in  1898  recommended 
that  one  uniform  system  be  adopted  in  all  countries,  and 
this  recommendation  has  been  generally  followed.  The 
new  notation  is  very  easily  understood.  So  far  as 
possible,  the  initial  letters  of  words  are  employed  as  a 
general  basis,  and  these  letters  are  modified  by  other 
subscript  letters,  printed  in  smaller  type  to  the  left  or 
right  of  the  principal  symbol.  Each  symbol  is  explained 
as  the  necessity  for  using  it  arises;  it  is  therefore  un- 
necessary to  give  here  any  detailed  explanation  or  an 
index  of  the  symbols. 

In  the  introduction  commutation  symbols  are  printed 
in  Gothic  type,  in  accordance  with  the  recommendation 
of  the  Actuarial  Society  of  America,  but  in  the  headings 
to  the  tables  the  old  type  is  still  employed  with  exactly 
the  same  significance  as  the  Gothic  type  used  in  the 
introduction. 

THE  SPECTATOR  COMPANY. 

January,  1906. 


PREFACE  TO  THE  FIRST  EDITION. 

The  design  of  this  work  is  to  furnish  the  public  with  a 
means  of  clearly  understanding  the  fundamental  princi- 
ples of  life  insurance,  and  to  enable  agents  to  present 
them  in  a  concise  and  forcible  manner.  To  accomplish 
this  result,  the  author  has  attempted  to  explain  the 
mathematical  laws  which  the  study  and  experience  of 
the  past  two  centuries  have  shown  to  lie  at  the  foundation 
of  the  science.  In  this  undertaking  he  has  endeavored 
to  confine  himself  strictly  to  those  topics  which  the  ex- 
perience of  American  companies,  during  the  last  few 
years,  has  shown  to  be  absolutely  necessary  to  an  in- 
telligent and  successful  prosecution  of  the  business,  and 
to  illustrate  them  in  such  a  manner  that  they  may  be 
comprehended  by  any  one  who  is  willing  to  give  the  sub- 
ject a  careful  investigation.  Those  who  still  remain 
prejudiced  against  life  insurance  are  confirmed  in  their 
opinions  more  by  a  want  of  correct  information  than  by 
any  solid  arguments  which  they  can  produce  against  it, 
and  the  sooner  it  is  stripped  of  forbidden  technical 
nomenclature  and  formulae,  and  adapted  to  the  com- 
prehension of  the  average  intellect  of  business  men,  the 
greater  will  be  the  popular  appreciation  of  its  merits. 
Both  officers  and  agents  of  companies  should  be  able 
to  meet  any  objections  raised  against  life  insurance,  and 
to  explain  its  principles  so  clearly  that  the  public  may 
see  that  it  is  a  plain  financial  transaction,  giving  support 
to  the  families  of  thousands  of  .claimants  every  year, 
and  throwing  its  mantle  of  protection  around  nearly  a 
million  of  its  living  patrons. 

NATHAN  WIIXEY. 

May.  1872. 


Table  of  Contents. 

Page. 
9-11 

[Full  Index  will  be  found  in  the  last  pages  of  the  book.] 
Accumulation — Assured 

American  Experience  Table  of  Mortality 43,  81-358 

Three  Per  Cent 81  -1 75 

Commutation  Columns 

84 

Cost  of  Insurance 

Logarithms  of  Commutation  Columns 

.149-175 
86 

Net  Annual  Premiums 

Single  Premiums  for  Endowment  Insurance 

Terminal  Net  Values 

Term  Policies,  Premiums  and  Values 

Value  of  an  Annuity  Immediate  and  Net  Single  Prem 

Three  and  One-half  Per  Cent 

Commutation  Columns 

Cost  of  Insurance 

Logarithms  of  Commutation  Columns 

Net  Annual  Premiums 

..89,  127 
...91-95 
..96-148 
.142-148 
iums     88 
.177-266 
....    178 
.240-266 
....179a 
.181,219 
.183-187 
.  188-239 
.233-239 
iums  180 
.267-315 
268 

Single  Premiums  for  Endowment  Insurance 

Terminal  Net  Values 

Term  Policies,  Premiums  and  Values. 

Value  of  an  Annuity  Immediate  and  Net  Single  Prem 
Four  Per  Cent 

Commutation  Columns 

Logarithms  of  Commutation  Columns 

Net  Annual  Premiums 

Single  Premiums  for  Endowment  Insurance 

Terminal  Net  Values 

Value   of  an   Annuity   Immediate   and    Net   Single 
Annual  Premiums.  .  .  . 

....    270 
....   272 
. 274-279 
.280-315 
and 

271 

Four  and  One-half  Per  Cent 

.317-358 
e . . .    322 
.. ..    318 
....    320 
....    323 
324 

Annuities  for  Whole  Life,  First  Payment  Immediat 

Commutation  Columns 

Logarithms  of  Commutation  Columns 

Net  Annual  Premiums  for  Temporary  Insurance.  .  . 
Net  Premiums 

Single  Premiums  for  Endowment  Insurance 

Terminal  Net  Values 

Beneficiary — Brokerage 

. 330-358 
12 

Claims — Cost  of  Insurance 

Compound  Interest. 

12 

37 

Page. 

Combined  Experience  or  Actuaries'  Table  of  Mortality — 

Four  Per  Cent 42,  359-51 1 

Commutation  Columns 362-365 

Cost  of  Insurance 463-51 1 

Life  Annuities,  First  Payment  Immediate 368 

Logarithms  of  Commutation  Columns 366 

Net  Annual  Premiums 372-376 

Net  Annual  Premiums  for  Temporary  Insurance 371 

Net  Single  Premiums  for  Endowment  Insurance 377-382 

Net  Single  Premiums  for  Whole  Life  Insurance 370 

Terminal  Net  Values 383-455 

Term  Policies,  Premiums  and  Values -  56-461 

Cost  of  Insurance 57 

Definitions  and  Explanations  of  Life  Insurance  Phraseology.  .9-29 

Distribution,  Dividend 13 

Endowment — Extended  Insurance 15 

Forfeiture 16 

Impaired — Interest 16-19 

Index 513 

Interest   Tables    for  100  Wars,  two  to  Seven  Per  Cent 61-79 

Lapse — Loading 20 

Life  Contingencies 42 

Massachusetts  Non-Forfeiture  Law 32 

Monetary  Obligations  Dependent  on  Mortality 46 

Mortality 21 

New   York  Non-Forfeiture  Law 31 

Net  Values  of  Policies 54 

Non-Forfeiture 22 

Option 23 

Paid-up  Insurance — Premium 23-25 

Publishers'  Preface 3 

Renewal — Risk 25 

Scientific  Principles    of   Life  Insurance 36-59 

Single  and  Annual  Premiums 52 

Surplus,  Surrender 26 

Term    Insurance,   Tontine 27-29 

Valuation 29 


UNIVERSITY 

OF 


DEFINITIONS  AND  EXPLANATIONS  OF 
LIFE  INSURANCE  PHRASEOLOGY. 

A  good  many  words  which  are  in  common  use  in 
business  life  have  a  meaning  peculiar  to  the  subject 
when  used  in  connection  with  Life  Insurance.  It  is 
therefore  desirable  to  call  attention  to  some  of  these 
expressions  in  order  to  avoid  confusion.  The  mean- 
ings hereafter  given  are  those  most  commonly  in  use. 
There  is  much  looseness  of  expression,  and  some  words 
are  used  in  a  way  which  would  sadly  shock  a  purist 
who  prefers  to  retain  the  old  meaning  from  which  a 
word  may  have  been  derived.  But  it  is  thought  better 
to  explain  the  words  and  phrases  as  they  are  generally 
understood,  and  even  occasionally  as  they  are  collo- 
quially used. 

Accumulation. 

Literally,  that  which  is  heaped  up.  It  is  applied 
to  the  accumulation  of  interest,  when  the  interest  on  an 
investment  or  deposit  remains  undrawn.  In  Life 
Insurance  it  has  a  special  meaning,  and  indicates  that 
class  of  surplus  which  is  gathered  up  for  a  period  of 
years  before  distribution,  as  opposed  to  an  annual 
dividend.  An  accumulation  policy  is  therefore  of 
much  the  same  nature  as  a  deferred  dividend  policy, 
although  in  the  former  the  dividend  may  be  ascer- 
tained annually  and  left  undrawn,  whereas  in  the  latter 
the  dividend  is  usually  calculated  only  after  the  de- 
ferred period  has  expired. 

Actuary. 

The  oldest  meaning  of  this  word  was  simply  registrar, 
or  clerk;  but  more  recently  it  has  been  used  to  denote 
one  who  is  proficient  in  the  practical  application  of 
mathematics  to  the  facts  upon  which  Life  Insurance 
is  based.  It  is  now  acquiring  a  broader  significance, 
and  might  almost  be  stated  as  "an  expert  in  insur- 
ance," where  the  word  expert  involves  a  knowledge 
of  mathematics,  law,  bookkeeping,  and  finance. 

Annuity. 

A  sum  of  money  payable  periodically  after  fixed 
intervals.  The  word  annuity  was  originally  applied 
only  to  a  sum  payable  once  each  year,   being  taken 


io  Principles  and  Practice 


directly  from  the  Latin  word  annus,  a  year;  but  the 
meaning  has  become  extended  and  it  now  may  be 
applied  to  any  sum  payable  at  regular  intervals,  so 
much  so  that  the  redundant  expression  "an  annuity 
payable  annually"  is  often  used  and  is  scarcely  con- 
sidered wrong.  If  the  payments  are  to  be  made  for- 
ever, the  contract  is  called  a  perpetual  annuity  or  a 
perpetuity.  The  more  important  conditions  by  which 
payments  are  limited  are  explained  by  the  following  terms : 

Life  Annuity,  one  which  depends  for  payment  upon 
the  survivance  of  some  person  definitely  named,  and 
which  ceases  at  death. 

Annuity -Certain. — One  payable  for  a  fixed  number 
of  years,  or  for  a  fixed  period  of  time,  irrespective  of 
the  survivance  of  any  particular  life  or  the  happening 
of  any  contingency. 

Contingent  Annuity. — One  which  only  goes  into 
effect  after  the  happening  of  an  event  which  may  or 
may  not  take  place.  Of  such  nature  is  an  annuity 
payable  to  A  after  the  death  of  B,  if  such  death  take 
place  in  the  lifetime  of  C;  or  an  annuity  payable  to 
A  if  B  should  die  within  one  year.  If  the  annuity 
were  payable  to  A  from  the  death  of  B,  without  other 
condition,  it  would  be  called  a 

Reversionary  Annuity. — This  is  an  annuity  payable 
to  one  person  after  the  death  of  another,  the  most 
common  instance  being  an  income  for  a  widow  after 
the  death  of  her  husband.  The  word  reversionary 
really  implies  that  the  annuity  is  in  existence  all  the 
time  and  reverts  to  one  person  after  another  ceases  to 
enjoy  it'by  death  or  otherwise.  This  is  the  true  dis-^ 
tinction,  now  seldom  observed,  between  a  reversionary 
annuity  and  a 

Survivorship  Annuity. — This  term  is  used  to  denote 
an  annuity  to  commence  at  the  death  of  some  specified 
person  or  persons,  and  be  payable  during  the  subsequent 
lifetime  of  the  beneficiary. 

'Temporary  Annuity. — An  annuity  with  payments 
limited  to  a  fixed  time.  It  may  depend  upon  a  life  as 
well  as  a  fixed  period,  when  it  is  distinguished  as  a 
temporary  life  annuity.  Such  an  annuity  would  cease 
after  the  expiry  of  the  fixed  period,  whether  the  life 
were  to  survive  or  not,  and  at  an  earlier  date  if  the 
annuitant  were  to  die.  When  no  life  contingency  is 
involved  this  becomes  an  annuity-certain. 

Deferred  Annuity. — This  is  the  complement  of  a 
temporary  annuity.  It  does  not  commence,  or  tech- 
nically is  not  "entered  upon,"  until  after  the  expiry  of 
a  fixed  period  of  years.     A  deferred  life  annuity  is  there- 


Of  Life  Insurance. 


fore  of  the  nature  of  a  pension.  By  this  means  a  man 
may,  in  the  working  period  of  life,  purchase  an  income 
for  his  old  age. 

Joint  Life  Annuity. — This  expression  refers  to  a  pay- 
ment to  continue  periodically  while  two  or  more  per- 
sons remain  alive;    it  would  cease  with  the  first  death 

Last  Survivor  Annuity. — An  annuity  depending  upon 
two  or  more  lives,  payable  at  the  same  rate  so  long  as 
any  one  of  them  is  alive.  When  two  lives  are  involved 
this  is  sometimes  called  a  Joint  and  Survivor  Annuity. 

Application. 

The  form  filled  out  by  a  person  who  wishes  to  obtain 
an  insurance  policy.  It  gives  particulars  of  the  name, 
residence,  occupation,  and  age  of  the  person  on  whose 
life  the  policy  is  to  be  written,  and  specifies  the  kind  of 
policy  wanted,  how  premiums  are  to  be  payable,  etc., 
etc.  It  forms  the  basis  of  the  policy  contract.  Some- 
times, especially  in  Britain,  it  is  called  a  "proposal." 

Assets. 

All  the  property,  having  monetary  value,  in  posses- 
si  jn  of  a  company.  A  distinction  has  been  drawn 
between  gross  assets  and  admitted  assets.  The  former 
may  include  such  items  as  personal  security  loans, 
promissory  notes,  office  furniture,  etc.,  but  these  items 
are  excluded  by  most  Insurance  Departments,  and 
after  they  have  been  deducted  the  balance  is  called 
the  net,  or  admitted,  assets. 

Assignee. 

The  person  to  whom  the  policy  contract  has  been 
assigned,  conveyed  or  mortgaged.  By  .the  laws  of 
some  of  the  States,  it  is  considered  contrary  to  public 
policy  that  one  person  should  have  an  interest  in  the 
death  of  another,  unless  closely  related  by  ties  of  blo"od 
or  marriage,  and  assignments  in  the  absence  of  such 
interest  are  not  valid.  Generally,  however,  a  pur- 
chaser of  a  policy  for  value  is  protected  by  the  law,  and 
a  creditor  niay  hold  a  policy  to  the  extent  to  which  he 
would  suffer  loss  through  the  death  of  his  debtor,  but 
for  no  more.     (See  Insurable  Interest). 

Assured  or  Insured. 

These  two  words  are  generally  treated  as  synonymous. 
They  are  most  commonly  used  to  designate  the  person 
on  whose  life  a  policy  is  taken.     An  attempt  has  been 


Principles  and  Practice 


made  to  limit  the  use  to  the  person  in  whose  favor  the 
policy  is  granted,  that  is,  the  beneficiary,  but  this  limi- 
tation has  not  been  generally  followed,  although  the 
origin  of  the  word  would  make  it  a  more  correct  usage. 
(See  Insured.) 

Beneficiary. 

The  person  for  whose  benefit  an  insurance  has  been 
effected.  The  life  insured  must  always  be  named  in 
a  policy  contract,  and  often  a  specific  beneficiary  is 
also  mentioned.  Sometimes  a  third  person  acquires 
an  interest  in  the  policy,  namely,  the  assignee. 

Bonus. 

This  word  is  sometimes  used  to  denote  the  share  of 
surplus  under  a  policy.  It  is  commonly  used  in  Britain, 
but  very  seldom  in  America,  where  the  word  "dividend" 
is  the  equivalent. 

Brokerage. 

This  term  in  Life  Insurance  is  generally  applied  to 
the  remuneration  of  an  agent,  who  is  instrumental  in 
effecting  a  policy,  when  such  remuneration  takes  the 
form  of  a  single  cash  payment  upon  completion  of  the 
transaction, — often  a  percentage  of  the  first  premium 
under  the  policy. 

Claims. 

This  word  is  used  almost  exclusively  to  denote  claims 
by  death,  although  the  word  might  also  be  held  to  cover 
surrender  values  drawn  in  cash,  endowments  which 
mature  by  survivance,  and  other  obligations  on  the  part 
of  the  company. 

Commission. 

The  remuneration  to  an  agent  for  his  services,  based 
upon  the  business  transacted.  It  is  most  commonly 
paid  as  a  percentage  of  the  premiums  collected,  but 
sometimes  it  depends  partly  upon  the  sums  insured 
under  business  paid-for.  The  first  year's  commission 
(see  Brokerage)  is  generally  at  a  higher  rate  than  the 
renewal  commission.  The  renewal  commission  is  often 
paid  for  a  fixed  period  of  years  if  the  policy  be  main- 
tained, or  sometimes  even  for  the  entire  duration  of 
the  policy. 

Company. 

A  number  of  persons  associated  together  for  some 
business  enterprise.  In  a  Life  Insurance  Company  the 
purpose  is  that  of  protecting  one  another,  or  others 
who  wish  the  protection,  against  unforeseen  loss  through 


Of  Life  Insurance.  13 


death.  The  organization  of  a  company  generally 
implies  the  election  of  a  Board  of  Directors  to  manage 
the  affairs  of  the  company,  appoint  Executive  Officers, 
etc.  In  a  mutual  insurance  company  the  Directors  are 
elected  by  the  policyholders,  sometimes  by  personal 
votes,  but  more  frequently  by  proxies.  In  a  proprietary 
company  the  policyholders  have  the  additional  guar- 
antee of  the  capital  subscribed  by  the  stockholders, 
who  elect  the  Directors  and  who  are  generally  entitled 
to  share  in  the  profits  of  the  company.  A  pure  stock 
insurance  company,  in  which  all  the  profits  belong  to 
the  stockholders,  is  now  practically  unknown. 

Contribution  Plan. 

A  method  of  distributing  the  surplus  of  a  life  insurance 
company  based  on  the  following  principles :  The  policy 
is  credited  with  the  premiums  paid  and  with  interest 
earned  thereon.  It  is  then  debited  with  expenses  of 
management,  the  cost  of  insurance,  and  the  policy 
value  at  the  date  of  computation.  The  excess  of  the 
credits  over  the  debits  represents  the  surplus  contributed 
by  that  policy,  hence  the  use  of  the  name  Contribution 
Plan. 

Cost  of  Insurance. 

The  actual  mortality  risk  incurred  by  a  Life  Insur- 
ance Company  expressed  in  money.  The  aggregate 
cost  of  insurance  experienced  by  a  company  in  a  year 
consists  of  the  total  claims  by  death,  less  the  policy 
values  released  on  the  termination  of  the  contracts. 
The  expected  cost  of  insurance  is  the  mortality  portion 
of  the  net  premium  accumulated  to  the  end  of  the  year, 
and  consists  of  the  rate  of  mortality,  under  the  table 
adopted,  multiplied  by  the  net  amount  at  risk.  (See 
Risk.) 

Distribution. 

A  dividing  up;  apportionment;  this  word  is  gener- 
ally applied  to  the  division  of  surplus  in  an  insurance 
company.  It  consists  in  allocating  to  individual 
policyholders  the  share  in  the  total  surplus  to  which 
each  is  entitled. 

Distribution  Period. — The  time  over  which  a  distri- 
bution of  dividends  is  calculated;  sometimes  used 
as  the  exrct  time  at  which  the  distribution  takes  place. 

Dividend. 

This  word,  of  course,  literally  means  "something 
divided."     In  investment  parlance  it  is  probably  best 


i4  Principles  and  Practice 


used  to  distinguish  a  return  based  upon  actual  profits 
(as  in  the  case  of  dividends  to  stockholders),  from  one 
which  is  guaranteed  (as  in  the  case  of  bonds  or  mort- 
gages), the  latter  being  called  "interest."  In  Life 
Insurance  the  meaning  is  analogous,  and  the  word  ev 
presses  the  share  of  surplus  earned  by  and  allocated  to 
any  policy.  Life  insurance  dividends  to  policyholders 
are  variously  distinguished  as  annual,  accumulation, 
deferred,  cash,  reversionary,  and  contingent. 

Annual  and  Deferred  Dividends. — In  the  case  of  an 
annual  dividend,  the  amount  of  cash  surplus  earned 
by  any  policy  in  the  preceding  year  is  ascertained  and 
allocated  at  the  end  of  that  year.  Under  a  deferred 
dividend  the  surplus  is  not  distributed  until  the  expiry 
of  a  definite  period,  when  those  policyholders  only 
participate  in  the  surplus  who  are  alive  and  whose 
policies  are  in  force  (see  Accumulation).  The  distribu- 
tion is  generally  made  in  cash  when  it  may  be  applied 
to  reduce  future  premiums.  Sometimes  this  cash 
dividend  may  remain  undrawn  and  be  payable  with 
accumulated  interest  along  with  the  sum  insured. 
Otherwise  it  may  be  applied  to  purchase  a  reversion- 
ary addition  to  the  policy  as  explained  in  the  next 
paragraph. 

Cash  and  Reversionary  Dividends. — The  distinction 
between  these  two  forms  of  dividend  is  that  the  former 
is  a  sum  payable  at  once,  while  the  latter  is  an  equiva- 
lent larger  sum  payable  at  death.  If  reversionary 
dividends  are  selected  the  cash  surplus  is  applied  as 
a  single  premium  to  purchase  a  paid-up  addition  to  the 
sum  insured,  due  at  the  same  time  as  the  face  value  of 
the  policy.  Sometimes  the  cash  dividend  is  allowed 
to  remain  with  the  company  and  accumulate  at  interest ; 
the  result  in  such  case  is  quite  different  from  a  rever- 
sionary dividend.  The  death  rate  and  the  interest  on 
monev  are  taken  into  consideration  in  fixing  the  equiva- 
lent amount  of  reversionary  dividend,  with  the  result 
that  the  same  sum  is  payable  if  the  insured  die  im- 
mediately after  the  allocation  as  will  be  paid  if  he  sur- 
vive for  manv  years.  When  cash  dividends  remain 
undrawn,  on  the  other  hand,  a  smaller  amount  is  pay- 
able in  event  of  early  death  than  if  the  life  insured  were 
to  survive  many  years,  because  in  the  latter  case  the 
interest  accumulations  over  the  entire  period  swell  the 
dividend  payment. 

Contingent  Dividend. — This  partakes  of  the  nature  of 
a  pure  endowment,  and  is  payable  only  if  the  life  insured 
survives  a  fixed  period,  or  in  the  event  of  some  other 
contingency  being  fulfilled. 


Of  Life  Insurance. 


Endowment. 

Pure  Endowment. — A  Pure  Endowment  is  a  form  of 
policy  which  provides  a  sum  of  money  after  a  specified 
number  of  years,  provided  some  nominated  person  be 
alive  at  that  time.  In  such  case  the  benefit  is  lost 
if  the  nominee  should  die  before  the  date  agreed 
upon.  The  word  "Endowment"  is  often  used  as  mean- 
ing the  same  as 

Endowment  Insurance. — This  form  of  policy  com- 
bines the  Pure  Endowment  above  mentioned  with 
term  insurance  for  the  same  period,  with  the  result 
that  the  sum  insured  is  payable  either  at  death  within 
the  period  or  on  survivance.  The  Endowment  Insur- 
ance is  a  very  popular  form  of  policy,  but  the  Pure 
Endowment  is  almost  unknown  to  the  general  public; 
hence  the  word  "Endowment"  in  popular  usage  gener- 
ally refers  to  an  Endowment  Insurance  and  not  to  a  Pure 
Endowment. 

Expectation  of  Life. 

The  average  after  lifetime  at  a  specified  age.  This 
function  is  obtained  by  adding  together  the  periods 
lived  by  each  one  of  a  body  of  persons,  all  of  the  same 
age,  and  dividing  the  result  by  the  total  number  of 
persons.  It  is  incorrect  to  use  the  expectation  of  life 
as  a  basis  for  monetary  calculations. 

Complete  and  Curtate  Expectation. — When  the  above 
result  is  obtained  accurately  by  taking  into  account 
fractions  of  a  year,  the  expectation  is  called  "complete;" 
but  when  only  the  number  of  full  years  lived  by  each 
person  is  used,  the  fraction  of  a  year  in  the  year  of 
death  being  ignored,  the  phrase  "curtate  expectation" 
is  used.  Accordingly,  the  latter  is  always  less  than  the 
former  by  approximately  half  a  year. 


Expected. 

An  adjective  used  to  distinguish  from  the  actual 
results  of  experience  the  figures  which  would  result 
if  the  tabular  death  rate  were  to  be  exactly  reproduced. 
Thus  we  have  the  "expected"  deaths  and  the  "actual" 
deaths,  the  "expected"  cost  of  insurance  and  the 
"actual"  cost  of  insurance,  etc.  As  mortality  tables 
differ  from  each  other,  the  "expected"  results  in  like 
manner  differ  according  to  the  table  employed  in  com- 
putation. 

Extended  Insurance. 

This  consists  in  carrying  the  nominal  risk,  as  shown 
by  the  face  value  of  a  policy,  for  a  period  of  time  as 


it)  Principles  and  Practice 


temporary  insurance.  No  further  premiums  are  pay- 
able. This  is  one  of  the  forms  of  surrender  value  pre- 
scribed by  statute.  It  is  sometimes  also  called  Con- 
tinued Insurance. 

Forfeiture. 

The  loss  of  a  valuable  right  or  benefit  through  the 
violation  of,  or  omission  to  observe,  an  essential  con- 
dition. The  causes  which  most  commonly  result  in 
the  forfeiture  of  a  life  insurance  policy  are: 

i.  Non-payment  of  premium  when  due; 

2.  Fraud  in  obtaining  a  policy. 

3.  Proceeding  to  an  unhealthy  climate,  undertaking 
some  hazardous  occupation,  or  committing  suicide 
within  a  limit  of  time  after  the  policy  is  taken;    and 

4.  The  lack  of  insurable  interest  on  the  part  of  the 
person  who  effected  the  policy. 

The  third  of  the  above  causes  is  generally  covered 
in  American  companies  after  two  years  from  the  date 
of  issue  of  any  policy;  in  one  or  two  instances  policies 
are  free  in  this  respect  from  the  commencement.  Under 
the  second  and  fourth  causes  the  policy  may  be  con- 
sidered void  from  the  beginning;  but  the  avoidance  of 
the  risk  cannot  be  established  until  the  fraud  or  lack 
of  insurable  interest  is  proved;  these  conditions  are 
therefore  much  the  same  as  forfeiture. 

Impaired. 

An  adjective  often  used  to  distinguish  a  person  who 
is  unsuitable  for  the  issue  of  a  policy  of  insurance  in 
the  healthy  class;  literally,  below  par;  not  equal  to 
the  average.  Impaired  risks  are  sometimes  accepted 
in  a  special  class  by  themselves,  or  with  extra  pre- 
miums which  correspond  to  the  extent  of  the  impairment. 

Instalment  Policy. 

A  contract  under  which  the  sum  insured,  instead 
of  being  payable  in  one  sum  at  death  or  on  maturity, 
is  payable  in  equal  annual  instalments  thereafter. 
For  example,  a  Whole  Life  Policy  for  $10,000,  payable 
in  twenty  instalments,  would  secure  $500  each  year 
for  twenty  years  after  the  death  of  the  insured.  It 
follows  that  the  rate  of  premium  appears  small  in  rela- 
tion to  the  face  value  of  the  policy,  because  when  the 
sum  insured  is  payable  in  instalments  its  value  is  con- 
siderably smaller  at  the  date  of  death.  The  premium, 
therefore,   for  the  policy  mentioned  in   the  above  ex- 


Of  Life  Insurance.  17 

ample  would  be  roughly  three  quarters  of  the  premium 
required  for  a  policy  of  $10,000  payable  in  cash  at 
death. 

Continuous  Instalments. — When  a  beneficiary  is  named, 
and  when  the  policy  has  a  provision  that  the  annual 
instalment  shall  be  payable  not  only  for  a  fixed  number 
of  years  certain,  but  also  for  as  many  more  years  as  the 
beneficiary  may  live,  the  policy  is  said  to  be  one  by 
continuous  instalments.  If  the  beneficiary  die  before 
the  policy  becomes  a  claim,  the  premium  is  generally 
reduced  to  the  regular  fixed  instalment  rate,  and  the 
minimum  number  of  instalments  is  then  payable  after 
a  claim  arises.  Otherwise  another  beneficiary  may  be 
named  if  the  proper  increase  in  premium  be  paid  an- 
nually. The  policy  is  a  survivorship  annuity  under 
another  name,  and  with  the  guarantee  of  a  fixed  number 
of  payments  whether  the  annuitant  be  alive  or  dead. 

Insurable  Interest. 

The  liability  by  one  person  to  suffer  pecuniary  loss 
on  the  death  of  another.  The  law  recognizes  two  or 
three  kinds  of  insurable  interest:  A  wife  has  an  in- 
surable interest  in  her  husband's  life,  a  daughter  in 
her  father's  life,  and  a  sister  in  her  brother's  life;  a 
creditor  has  an  insurable  interest  in  his  debtor's  life. 
The  law  is  very  rigid  in  providing  that  one  person 
cannot  insure  the  life  of  another  unless  he  has  some 
insurable  interest  and  would  suffer  pecuniary  loss  by 
the  death  of  that  other  person.  The  reason  for  the 
enforcement  of  this  law  is  obvious;  insurances  effected 
in  the  absence  of  such  interest  would  be  contrary  to 
public  policy;   they  would  provide  a  motive  for  crime. 

Insurance. 

A  term  applied  to  the  guarantee  of  a  monetary  pay- 
ment by  way  of  compensation  on  the  happening  of 
some  untoward  event,  in  consideration  of  an  immediate 
cash  payment,  or  series  of  annual  payments.  In  its 
fundamental  principle  it  consists  in  the  combination 
of  many  persons  to  protect  each  individual  against 
some  contingency  which  may  happen  soon,  which  may 
be  long  deferred,  or  which  may  never  happen  at  all. 

Life  Insurance  involves  the  payment  of  a  sum  of 
money  on  the  death  of  some  nominated  person,  the  life 
insured,  in  consideration  of  the  receipt  of  a  specific 
premium.  It  is  distinguished  by  several  names  accord- 
ing to  the  class  of  business  transacted,  or  according  to 


18  Principles  and  Practice 

the  nature  of  the  company  undertaking  the  obligation, 
as  stated  in  the  following  paragraphs: 

Insurance  Company. — An  organization  formed  for 
the  granting  of  insurance.  In  Life  Insurance,  com- 
panies are  generally  divided  in  two  classes:  (i)  Mutual 
companies  where  the  policyholders  have  the  supreme 
control  and  elect  Directors,  and  (2)  Stock  Companies 
where  Directors  are  elected  by  the  stockholders,  who 
are  frequently  entitled  to  a  share  of  the  surplus.  In 
former  days  there  were  several  stock  companies  in 
which  the  entire  surplus  belonged  to  stockholders; 
and  an  attempt  was  then  made  to  distinguish  a  third 
class  of  company  as  a  "Mixed "  company,  because  in  such 
cases  the  policyholders  had  a  share  in  the  surplus. 
At  the  present  time  all  stock  companies  give  policy- 
holders a  large  share  in  the  surplus,  so  that  the  dis- 
tinction is  no*  longer  necessary.  The  principal  differ- 
ence between  a  mutual  and  a  stock  company  now  lies 
in  the  method  of  electing  Directors.  (See  also  "Com- 
pany.") 

Assessment  Insurance. — This  is  a  form  of  mutual 
protection  which  originated  in  the  practice  of  calling 
for  a  donation  from  each  member  of  a  Society  for  the 
family  of  a  deceased  member.  It  is  still  conducted 
partly  in  this  manner,  and  the  proceeds  under  any 
certificate  of  membership  are  frequently  limited  to  the 
assessments  levied  upon  the  surviving  members  in  con- 
sequence of  the  death  or  deaths  which  have  occurred. 
The  payment  at  the  death  of  a  member,  therefore, 
varies  according  to  the  number  of  members,  the  amount 
of  assessment  paid  by  each,  and  the  number  of  deaths. 
Sometimes  assessments  are  levied  in  advance,  and  in 
such  cases  a  fixed  amount  is  usually  guaranteed  at  death. 

Fraternal  Insurance  is  conducted  by  an  association 
without  capital  stock,  carried  on  solely  for  the  mutual 
benefit  and 'protection  of  its  members,  having  a  lodge 
system  and  representative  form  of  government. 

Old-Line  Insurance. — This  term  is  generally  applied  to 
Life  Insurance  conducted  on  scientific  principles,  under 
which  a  policy  value  is  carried  in  respect  of  each  contract 
in  force.  All  the  tables  of  premiums  and  values  in  this 
volume  have  been  prepared  on  the  old-line  basis. 

Industrial  Insurance. — This  is  a  form  of  old-line  Life 
Insurance,  generally  for  small  amounts,  under  which 
the  premiums  are  payable  in  weekly  or  monthly  instal- 
ments. Its  original  design  was  to  provide  insurance 
by  weekly  premiums  for  the  industrial  classes,  hence 
the  use  of  the  word.  When  premiums  are  payable  at 
longer  intervals  than  once  a  month,   the  same  policy 


Of  Life  Insurance.  19 


would  be  called  ordinary;  the  distinguishing  feature, 
therefore,  is  in  the  payment  of  premiums  at  frequent 
intervals.  Premiums  are  usually  collected  from  door 
to  door  each  week. 

Insurance  Department. — That  section  of  the  State 
government  which  has  control  of  insurance  matters. 

Insured. 

This  word  is  used  very  loosely  with  meanings  as 
follows  : 

As  an  Adjective  it  is  commonly  used  in  the  phrase 
"life  insured,"  this  being  the  person  on  whose  life  the 
policy  is  taken. 

As  a  Noun  it  is  most  commonly  applied  with  the 
same  meaning  as  that  above  given  for  an  adjective. 
An  attempt  has  frequently  been  made  to-  restrict  the 
meaning  of  "the  insured"  to  the  person  for  whose 
benefit  the  policy  is  taken,  that  is,  the  beneficiary. 
This  would  perhaps  be  the  more  correct  meaning,  but 
it  is  not  popularly  understood  in  this  way. 

As  a  verb  the  word  is  used  from  two  entirely  different 
points  of  view,  as  in  the  following  sentences: 

(1)  "The  company  insured  John  Doe,"  and  (2) 
"John  Doe  insured  his  life."  Properly  speaking,  the 
party  who  "insures"  is  the  company  issuing  the  policy; 
the  other  party  is  the  person  who  obtains  the  insurance. 
It  would  be  well  if  this  distinction  could  be  observed, 
but  it  seems  hopeless  to  obtain  accuracy  of  expression 
in  this  direction. 

Interest. 

Interest  is  the  payment  made  by  a  borrower  for  the 
use  of  money.  It  is  generally  due  at  fixed  intervals, 
such  as  at  the  end  of  each  year  or  half  year,  and  is  com- 
puted as  a  percentage  or  ratio  of  the  sum  lent.  For 
example,  if  $100  were  lent  out  at  5  per  cent  payable 
half-yearly,  interest  of  $2.50  would  be  due  at  the  end 
of  each  half-year  during  the  continuance  of  the  loan, 
the  two  payments  in  each  year  making  up  the  $5.00,  or 
5  per  cent  per  annum. 

Simple  and  Compound  Interest. — When  the  interest 
falls  due  at  periodic  intervals,  and  there  is  the  means  of 
enforcing  payment  at  the  proper  time,  there  is  no 
difference  between  simple  and  .  compound  interest. 
But  if  the  interest  be  allowed  to  run  on  for  a  length  of 
time,  then  under  simple  interest  no  additional  charge 
can  be  made  for  interest  on  the  unpaid  interest.  On 
the  other  hand,   when  compound  interest  is  charged, 


2o  Principles  and  Practice 


the  interest  as  it  falls  due  becomes  part  of  the  "prin- 
cipal" of  the  loan  and  thus  earns  more  interest.  Sub- 
sequent interests,  therefore,  are  charged  not  only  on 
the  original  sum  lent,  but  also  on  the  unpaid  interest 
due  in  the  past.  In  some  States  it  is  illegal  to  charge 
compound  interest  because  this  used  to  be  thought 
usurious;  this  idea  is  gradually  disappearing.  When 
interest  is  payable  in  advance,  it  is  frequently  called 
Discount. — This  is  also  a  payment  for  the  use  of 
money,  but  charged  in  advance.  As  the  payment  is 
made  at  once,  discount  is  a  little  more  valuable  to  a 
lender  than  interest  at  the  same  rate.  The  most  com- 
mon instance  is  that  of  a  banker  "discounting"  a  note. 
If  a  promissory  note  due  in  three  months  for  $100  were 
presented  to  a  banker  and  he  were  to  discount  it  at 
5  per  cent,  he  would  deduct  $1.25  from  the  $100  and 
hand  the  owner  of  the  note  $98.75,  in  consideration  of 
receiving  $100  in  three  months.  If  the  note  were  not 
paid  when  due,  it  would  be  charged  back  against  the 
person  who  discounted  it,  so  that  the  banker  has  double 
security,  first  the  maker  of  the  note  and  then  the  person 
who  discounted  it. 

Lapse. 

Literally,  a  slipping  away.  Lapse  implies  the  loss 
of  a  privilege  by  neglect  of  some  necessary  condition; 
in  this  sense  it  is  therefore  like  the  word  "forfeiture." 
The  word  is  most  commonly  applied  to  the  termination 
of  a  policy  through  non-payment  of  a  premium.  There 
is  this  vital  distinction  between  lapse  and  forfeiture, 
that  a  policy  may  lapse  while  yet  the  non -forfeiture 
provision  may  apply;  the  policy  lapses,  but  its  value, 
or  a  fair  proportion  of  it,  remains. 

Liability. 

This  word  is  used  in  a  general  commercial  sense  to 
denote  any  legal  obligation  for  which  the  company 
may  be  liable.  In  the  plural  the  word  liabilities  is 
used  in  Life  Insurance  to  cover  all  obligations,  present 
and  future,  including  claims  filed  but  not  approved, 
dividends  apportioned  but  not  paid,  commissions  on 
premiums  outstanding,  surrender  values  which  may  be 
claimed  on  lapsed  policies,  as  well  as  the  present  value 
of  all  outstanding  policies.  This  last,  in  the  case  of 
nearly  all  life  insurance  companies,  is  by  far  the  largest 
item  of  liability.  When  the  surplus  is  added  to  the 
liabilities  above  outlined,  a  balance  is  effected  with 
the  assets. 


Of  Life  Insurance.  21 


Life  Policy. 

Under  this  form  the  obligation  on  the  part  of  the 
company  is  that  it  shall  pay  a  stipulated  sum  at  the 
death  of  the  insured.  If  the  consideration  payable 
by  the  insured  is  an  annual  premium  so  long  as  he  may 
live,  it  is  called  a  Continued  Payment  Policy,  or  an 
Ordinary  Whole  Li/e  Policy.  If  the  premiums  by  the 
insured  are  limited  to  a  fixed  number  of  years,  the 
sum  insured  being  still  payable  at  death,  it  is  called 
a  Limited  Payment  Policy,  sometimes  more  specifically 
a  Twenty  Payment  Policy  or  Ten  Payment  Policy. 

Limited  Payment. 

This  term  is  generally  applied  to  a  form  of  policy 
under  which  the  sum  insured  is  payable  at  death,  the 
premiums  falling  due  only  for  a  limited  number  of 
years.  If  the  life  insured  live,  the  premiums  cease 
after  a  fixed  period  and  the  policy  becomes  "paid-up"; 
if  he  die  within  the  period  the  premiums  cease  when 
the  sum  insured  becomes  payable.  The  most  popular 
form  is  a  Twenty  Payment  Policy,  premiums  being 
limited  to  twenty  annual  payments  or  ceasing  earlier 
in  the  event  of  the  death  of  the  insured. 

Loading. 

The  sum  by  which  the  premium  for  a  policy  of  in- 
surance exceeds  the  net  rate  required  for  the  risk  (see 
"Premium").  The  additional  payment  is  necessary 
in  order  to  meet  expenses,  provide  against  adverse 
fluctuation,  and  perhaps  furnish  part  of  the  surplus 
for  distribution. 

Mortality. 

The  rate  of  dying ;  hence  the  ratio  of  the  number  of 
persons  dying  in  a  year  to  the  total  number  alive  at  the 
beginning  of  a  year  and  under  observation.  Light 
mortality  is  spoken  of  when  the  number  dying  is  less 
than  the  tabulated  statistics  lead  one  to  anticipate; 
the  converse  is  heavy  mortality.  In  Life  Insurance 
the  terms  favorable  and  unfavorable  for  light  and 
heavy  mortality  are  frequently  used. 

Expected  Mortality. — The  deaths  which  would  take 
place  amongst  a  number  of  persons,  as  in  an  insurance 
company,  if  the  rate  of  dying  were  to  agree  exactly 
with  some  specified  mortality  table. 

Mortality  Table. — "The  instrument  by  means  of 
which  are  measured  the  probabilities  of  living  and  dy- 


22  Principles  and  Practice 

ing."  A  mortality  table  generally  records  the  number 
of  persons  remaining  alive  at  each  age  out  of  a  fixed 
number  born  (such  as  10,000  or  100,000,  called  the 
"radix"  of  the  table),  also  the  number  dying  between 
the  respective  ages.  The  radix  may,  however,  com- 
mence at  any  convenient  age,  and  in  life  insurance  tables 
generally  commences  at  age  10;  the  table  terminates 
about  age  100. 

Non-Forfeiture. 

This  term  is  applied  to  certain  laws  and  policy  pro- 
visions which  secure  to  policyholders  a  fair  value  for 
their  contracts  if  they  should  be  allowed  to  lapse  acci- 
dentally or  otherwise.  The  most  general  provision  i« 
that  a  large  proportion  of  the  policy  value  shall  be 
applied  either  to  purchase  paid-up  insurance  at  the 
attained  age  of  the  insured,  payable  at  the  same  time 
and  under  the  same  conditions  (except  as  to  payment 
of  premiums)  as  the  original  policy,  or  to  extend  the 
face  value  of  the  original  policy  as  term  insurance  for 
such  time  as  the  available  value  will  purchase  when 
applied  as  a  single  premium.  By  the  laws  of  one  or 
two  States,  it  is  further  provided  that  a  proportion  of 
the  value  may  be  withdrawn  in  cash,  but  this  is  an 
unusual  stipulation. 

The  provisions  of  law  generally  stipulate  that  the  value 
must  be  claimed  within  a  reasonable  time  after  the  lapse 
of  the  policy  for  non-payment  of  premium.  This  time 
varies  in  different  States  from  six  months  in  New  York 
to  five  years  (fixed  by  legal  decisions,  not  by  enact- 
ment) in  Tennessee.  In  Massachusetts  the  law  (see 
page  34)  stipulates  that  paid-up  insurance  will  be 
granted  automatically  "without  any  further  stipulation 
or  act,"  so  that  application  for  this  right  is  unnecessary. 
This  law  only  applies  to  Massachusetts  companies. 

Life  insurance  companies  generally  are  more  liberal 
in  their  conditions  than  even  the  strictest  laws  require, 
and  amongst  other  features  have  introduced 

Automatic  N on- Forfeiture. — This  term  implies  that  the 
value  of  any  policy  contract  at  the  date  of  lapse  will  be 
used  without  request  by  the  insured,  or  without  action  on 
his  part,  towards  preserving  his  equity.  This  is  done  in 
various  ways,  (1)  by  extending  the  face  value  of  the 
policy  under  term  insurance,  (2)  by  providing  (as  in  the 
case  of  the  Massachusetts  law)  a  paid-up  policy  for  an 
equitable  amount,  and  (3)  in  a  few  instances,  by  applying 
the  value  to  maintain  the  policy  in  full  force,  subject  to  an 
indebtedness  to  the  extent  of  the  unpaid  premium  which 
is  advanced  by  the  company  as  a  loan  against  the  policy. 


Op  Life  Insurance.  23 

Each  one  of  these  three  plans  has  much  to  be  said  in 
its  favor  and  has  its  own  advocates.  Under  the  first  and 
third  plans  the  insurance  protection  is  maintained  at  the 
largest  possible  figure,  but  the  reserve  value  of  the  policy 
is  necessarily  used  in  maintaining  this  protection.  Under 
the  second  plan  the  policy  value  will  increase  the  longer 
the  paid-up  policy  remains  in  force,  and  a  small  amount 
of  protection  is  available  at  any  time.  On  the  other 
hand,  however,  the  reduction  in  the  sum  insured  at  the 
date  of  lapse  is  frequently  large,  and  the  insured  cannot 
obtain  the  protection  he  formerly  possessed  without 
undergoing  a  new  medical  examination.  The  third  plan 
entirely  meets  this  latter  objection,  because  the  policy 
may  be  reinstated  in  full  force  on  payment  only  of  the 
premiums  which  have  been  advanced  by  the  company 
with  interest. 

Two  of  the  most  important  State  laws  regulating 
non-forfeiture  are  afterwards  given,  and  there  is  in- 
cluded also  the  old  non -forfeiture  laws  in  Massachu- 
setts which  have  since  been  changed.  These  old  laws, 
however,  still  apply  to  policies  issued  by  Massachusetts 
companies  while  they  were  in  force,  and  therefore  they 
are  still  of  practical  importance,  in  addition  to  being 
valuable  historically  as  giving  an  indication  of  the  trend 
of  thought  and  development  of  this  non -forfeiture 
question. 

Non-Forfeiture  Laws. — (See  pp.  31-35.) 

Option. 

The  right  to  choose;  frequently  the  word  is  used  as 
meaning  the  right  to  enter  into  or  reject  a  contract  at 
a  specific  time.  The  various  alternatives  under  a  policy 
of  insurance  when  surplus  is  distributed  are  spoken  of 
as  options.  At  that  time  the  holder  of  the  policy  may 
take  either  a  cash  payment  or  apply  the  same  to  the 
purchase  of  further  insurance,  or  the  purchase  of  an 
annuity  to  reduce  future  premiums.  He  has  therefore 
the  right  to  choose  between  these  alternatives. 

Paid-Up  Insurance. 

This  represents  an  obligation  on  the  part  of  an  insur- 
ance company  to  pay  the  sum  insured  when  the  cor- 
responding obligation  on  the  part  of  the  insured  for 
payment  of  premiums  has  been  fully  satisfied.  Properly 
speaking,  it  is  the  premiums  that  are  "paid-up,"  not 
the  insurance,  and  the  more  correct  expression  would 
therefore  be  "insurance  with  premiums  paid-up." 


24  Principles  and  Practice 


Policy. 

The  document  executed  by  an  insurance  company, 
setting  forth  the  terms  on  which  a  contract  of  insurance 
has  been  agreed  upon.  The  full  contract  of  life  insur- 
ance generally  consists  of  an  application  by  the  insured, 
including  statements  made  by  him  to  a  medical  exam- 
iner, and  the  policy  issued  by  the  company.  For  de- 
scription of  the  different  kinds  of  policies,  see  Life  Policy ; 
Limited  Payment;    Endowment;    Term  Insurance. 

Policy  Year. — A  year  dating  from  the  issue,  or  the 
renewal  date  of  a  policy. 

Policy  Value. 

Commonly  spoken  of  as  the  "Reserve;"  that  is,  the 
fund  which  has  accumulated  out  of  the  net  premiums 
payable  under  any  policy.  On  the  average  this  fund, 
together  with  the  net  premiums  to  be  received  in  future, 
is  the  exact  mathematical  equivalent  of  the  obligation 
incurred  by  the  company  to  pay  the  sum  insured. 

Terminal  Value. — The  policy  value  is  most  con- 
veniently calculated  at  the  end  of  a  policy  year  when 
a  premium  is  just  due,  and  before  payment  of  such 
premium.  The  value  at  this  time  is  called  the  Terminal 
Value  or  the  Terminal  Reserve  under  a  policy. 

Mean  Value. — When  a  valuation  of  the  policies  of  a 
company  is  being  made  at  a  fixed  date,  the  Terminal 
Values  above  explained  do  not  in  general  apply,  because 
the  premiums  fall  due  at  various  intervals  throughout 
the  year.  It  is  generally  assumed  in  a  company  valua- 
tion that  premiums  fall  due  with  regularity  over  the 
year,  and  this  is  approximately  correct  in  America. 
The  policy  values  are  therefore  computed  as  Mean 
Values  by  taking  the  arithmetical  mean  between  (i) 
the  Terminal  Value  of  the  current  year,  and  (2)  the 
Terminal  Value  of  the  preceding  year  plus  one  year's 
net  premium. 

Premium. 

The  amount  payable  by  a  person  effecting  an  insur- 
ance in  consideration  of  the  benefit  he  obtains.  The 
root  of  the  word  (L.  primus,  first)  implies  that  it  is 
payable  in  advance,  and  this  is  the  general  practice; 
the  policy  of  insurance  does  not  go  into  effect  until  the 
first  premium  has  been  paid.  Premiums  are  most 
frequently  payable  annually,  but  with  a  slight  increase 
in  the  rate  they  may  be.  paid  in  semi-annual  or  quarterly 
instalments.  In  such  cases,  if  the  life  insured  should 
die  after  paying  only  one  semi-annual  instalment  of  a 


Of  Life  Insurance.  25 

full  year's  premium,  then,  in  accordance  with  the  prac- 
tice in  America,  the  other  instalment  or  instalments  are 
deducted  from  the  sum  insured.  Practically,  therefore, 
the  premiums  remain  annual  premiums,  but  they  are 
accepted  in  instalments  as  a  convenience  for  the  policy- 
holder. 

Extra  Premium. — A  premium  charged  in  addition  to 
the  normal  rate  on  account  of  some  additional  hazard 
incurred  by  the  life  insured.  The  most  usual  causes  for 
extra  premiums  are  (1)  occupation,  and  (2)  foreign 
residence.  Occasionally  an  extra  premium  is  also  im- 
posed because  of  impaired  health  on  the  part  of  the  life 
insured,  but  this  practice  is  not  common  in  America. 

Net  Premium. — This  is  the  exact  mathematical  equiv- 
alent of  the  benefit  guaranteed,  according  to  the  Table 
of  Mortality  and  Rate  of  Interest  used  in  the  calculation. 
It  is  the  basis  on  which  insurance  companies  form  the 
gross  premium. 

Gross  Premium. — The  premium  charged  in  a  policy 
contract.  It  generally  consists  of  the  net  premium  with 
the  addition  of  such  sums  as  may  be  required  for  ex- 
penses of  management  and  contingencies,  called  the 
"loading." 

Single  Premium. — When  an  insurance  or  annuity 
benefit  is  purchased  for  one  payment  only,  this  payment 
is  called  the  single  premium.  For  example,  the  net 
single  premium  at  age  30  by  the  American  Experience 
Table  at  3^  per  cent  is  $337.02;  this  is  the  exact  equiv- 
alent of  $1,000  payable  at  the  death  of  a  person  of  the 
age  of  30  when  3^  per  cent  interest  during  life  is  allowed 
for,  and  the  chance  of  death  in  any  year  by  that  Table 
is  taken  into  consideration. 

Premium  Notes. — Promissory  notes  given  by  policy- 
holders in  part  payment  of  their  premiums.  In  all  cases 
these  notes  are  secured  by  the  value  of  the  policy. 
Sometimes  they  run  for  a  short  period  only,  thereby 
giving  the  insured  facility  for  paying  part  of  his  premium 
at  a  later  date.  Sometimes  they  are  drawn  for  a  fixed 
proportion  of  each  premium  and  become  due  only  when 
the  policy  ceases  to  be  in  force,'  or  when  a  dividend  is 
declared,  or  a  claim  arises.  They  are  in  the  nature  of 
policy  loans,  although  the  policy  contract  itself  is  not 
deposited  as  an  evidence  of  indebtedness. 

Renewal. 

An  adjective  applied  to  those  premiums  paid  after 
the  first  year,  by  means  of  which  a  policy  is  renewed 
and  kept  in  force.     Hence  it  is  also  applied  to  renewal 


26  Principles  and  Practice 


commission,  being  the  commission  paid  on  renewal 
premiums.  Such  commissions  are  often  colloquially 
referred  to  as  an  agent's  renewals. 

Reserve. 

This  word  is  generally  used  to  denote  the  net  value 
of  all  the  policies  of  a  company  remaining  in  force  on 
a  fixed  date  (see  "Policy  Value").  The  aggregate 
policy  values  are  ascertained  liabilities,  so  that,  when 
used  in  this  way,  the  word  Reserve  has  a  different 
significance  from  that  commonly  employed  in  commercial 
circles,  where  the  reserve  fund  is  something  set  apart 
as  a  further  protection  over  and  above  the  ascertained 
liabilities. 

Risk. 

Chance  of  loss.  Often  used  in  life  insurance  to  denote 
the  person  on  whom  a  policy  has  been  issued,  who  is 
spoken  of  as  "a  good  risk"  or  "an  impaired  risk." 

Amount  at  Risk  is  the  difference  between  the  face 
value  of  the  policy  of  insurance  and  the  policy  value 
held  in  the  assets  against  it.  This  is  the  sum  which 
has  to  be  taken  from  the  general  mortality  fund  of  the 
company  if  the  insured  should  die,  and  upon  which  the 
cost  of  insurance  is  calculated. 

Surplus. 

Excess  above  what  is  required.  The  sum  by  which 
the  assets  of  a  Life  Insurance  Company  exceed  its 
liabilities.  Like  the  word  "assets,"  therefore,  it  is 
distinguished  by  the  adjectives  gross,  net,  and  admitted. 
The  two  latter  refer  to  the  surplus  credited  by  the 
Insurance  Department  to  an  Insurance  Company,  while 
the  former  may  include  certain  assets  which,  by  the 
practice  of  Insurance  Departments  would  be  excluded, 
or  not  admitted. 

Surrender. 

The  giving  up ;  a  word  used  in  life  insurance  generally 
to  imply  the  voluntary  discontinuance  of  a  policy  of 
insurance,  and  the  claiming  of  the  value  which  may 
then  be  allowed  by  the  company.     The 

Surrender  Value  is  the  equivalent  given  by  an  Insur- 
ance Company  to  a  policyholder  on  his  giving  up  his 
rights  under  the  policy.  Such  surrender  values  are 
usually  payable  in  one  of  three  forms:  (i)  Cash;  (2) 
Paid-up  Insurance;    or  (3)  Extended  Insurance. 


Of  Life  Insurance.  27 


Term  Insurance. 

This  form  of  policy  provides  that  the  sum  insured 
shall  be  payable  only  in  event  of  death  within  a  specified 
term.  Under  some  forms  of  the  policy  when  the  insured 
survives  the  term  he  has  no  further  rights,  and  if  he 
should  then  desire  to  continue  insurance  protection, 
has  again  to  undergo  medical  examination  and  submit 
himself  to  the  same  restrictive  tests  as  a  new  applicant. 
The  position  is  a  little  different  under  a 

Renewable  Term  Policy. — When  the  term  expires  in 
a  contract  of  this  character,  the  insured  has  the  option 
to  continue  the  policy  on  paying  the  premium  for  the 
attained  age  whatever  may  be  the  state  of  health.  If 
he  should  be  in  thoroughly  good  health  when  the  first 
policy  expires  the  option  is  of  little  value,  but  if  his 
health  is  poor,  and  if  he  still  desires  insurance  protection, 
the  option  becomes  a  valuable  one.  When  the  term  is 
a  long  one,  notice  that  renewal  is  desired  has  frequently 
to  be  given  to  the  company  sometime  before  expiry. 

Convertible  Term. — This  phrase  is  generally  used  to 
denote  that  a  term  policy  may  be  converted  into  another 
form  of  policy,  such  as  Life  or  Endowment  Insurance. 
Sometimes  the  conversion  applies  only  to  the  attained 
age  of  the  insured,  and  requires  that  future  premiums 
shall  be  at  the  rate  for  the  age  attained  when  the  con- 
version is  effected.  Sometimes,  however,  the  right  is 
given  to  exchange  to  participating  forms  of  policy 
(within  a  limited  time)  on  payment  of  the  difference, 
with  interest,  between  the  premiums  for  the  Term 
Insurance  and  the  premiums  for  the  age  of  entry  under 
the  form  of  policy  afterwards  selected.  It  is  incorrect 
and  unscientific  to  give  this  option  except  for  the  early 
years  of  a  policy  contract,  otherwise  the  insurance 
company  might  suffer  through  policyholders  exercising 
the  option  to  its  disadvantage. 

Preliminary  Term  Insurance. — This  phrase  is  used  in 
two  different  senses.  Sometimes  it  applies  to  protec- 
tion running  for  a  month  or  two  only,  preliminary  to 
the  date  of  the  policy  on  the  form  applied  for.  The 
reason  for  this  preliminary  insurance  is  most  frequently 
that  the  insured  wishes  his  premium  to  fall  due  at  a 
fixed  time,  but  does  not  wish  to  postpone  the  protection 
which  the  policy  affords.  This  provision  is  of  great 
advantage  to  such  men  as  farmers  whose  income  is 
received  after  the  harvest;  it  is  most  convenient  for 
them  to  pay  their  premiums  in  the  fall,  and  they  often 
take  preliminary  term  insurance  from  the  date  when 
application  for  the  policy  is  made. 


Principles  and  Practice 

The  other  form  of  Preliminary  Term  Insurance  is  that 
used  by  a  large  number  of  companies  as  a  means  of 
providing  for  the  heavy  initial  expense  incurred  in 
writing  new  life  insurance  business.  Much  expense  is 
incurred  the  first  year  in  placing  the  business  on  the 
books  of  a  Life  Insurance  Company;  and,  by  treating 
the  first  year  of  the  policy  as  Term  Insurance,  a  large 
portion  of  the  premium  is  set  free  to  meet  this  expense 
which  seems  to  be  one  of  the  necessary  features  in  the 
business  of  life  insurance.  Under  such  contracts  the 
premium  for  the  first  year  is  generally  the  same  as  that 
for  subsequent  years. 

Tontine. 

This  peculiar  word  is  derived  from  the  name  of  an 
Italian,  Leonardo  Tonti,  who  first  suggested  the  form 
of  investment,  or  speculation,  which  now  goes  under  th^. 
name  of  a  Tontine.  It  is  a  fund  subscribed  with  the 
understanding  that  it  will  accumulate  for  a  time,  and 
thereafter  be  divided  amongst  the  surviving  contribu- 
tors. Tontines  are  now  practically  unknown,  and  have 
been  little  used  since  the  beginning  of  the  19th  century. 
The  word  is  frequently  used  in  life  insurance  to  dis- 
tinguish a  certain  form  of  surplus,  spoken  of  as  a 

Tontine  Dividend. — This  form  of  dividend  was  popular 
so  long  as  it  was  the  practice  to  forfeit  entirely  the 
policy  value  in  event  of  the  insured  discontinuing  pay- 
ment of  premiums.  When  the  practice  of  guaranteeing 
liberal  surrender  values  arose,  the  advantages  in  the 
Tontine  Dividend  form  of  distribution  to  a  great  extent 
disappeared.  Policies  which  were  entitled  to  a  Tontine 
Dividend  were  placed  in  a  class  by  themselves,  and  the 
premiums  were  accumulated  for  the  specific  benefit  of 
the  members  of  that  class.  The  expenses  of  manage- 
ment and  claims  by  death  applicable  to  the  class  were 
charged  out,  and  at  the  end  of  the  Tontine  period  the 
aggregate  policy  values  were  also  deducted  from  the 
fund.  The  remainder  was  the  surplus  which  fell  to  be 
distributed  amongst  the  policyholders  then  existing. 
Usually  also  the  right  was  given  at  that  time  to  with- 
draw the  entire  policy  value.  At  the  termination  of  a 
Tontine  period,  therefore,  the  entire  fund  contributed 
by  the  members  of  any  specific  class  was  understood  to 
be  closed  out. 

Semi-Tontine  Dividends. — This  form  was  introduced 
after  it  became  customary  to  pay  surrender  values  on 
the  discontinuance  of  policies  after  being  three  years 
in  force.     It  is  practically  the  equivalent  of  a  deferred. 


Of  Life  Insurance.  29 

dividend  policy,  and  the  latter  name  is  now  generally 
preferred. 

Valuation. 

The  process  of  ascertaining  the  liabilities  of  an  Insur- 
ance Company  under  its  outstanding  policies.  Valua- 
tion consists  in  striking  a  balance  between  the  present 
value  of  the  obligations  on  the  part  of  the  company  and 
the  present  value  of  the  premiums  to  be  received  from 
policyholders.  The  practice  of  companies  (almost 
invariable  in  America)  is  to  take  credit  only  for  net 
premiums  on  the  assumption  that  the  loadings  are 
thereby  left  intact  to  meet  future  expenses  in  connection 
with  the  business.  Valuation  by  this  process  is  known 
as  Net  Premium  Valuation,  or,  more  shortly,  Net 
Valuation.  When  the  gross  premiums  actually  payable, 
are  valued  and  taken  credit  for,  the  process  is  called 
one  of  Gross  Premium  Valuation.  This  method  does  not 
make  sufficient  allowance  for  future  expense;  although 
this  may  be  done  by  deducting  a  percentage  from  the 
value  of  the  premiums. 


Of  Life  Insurance.  31 


NEW  YORK  NON-FORFEITURE  LAW. 

A  law  was  passed,  taking  effect  on  January  1st,  1880, 
to  provide  that  in  event  of  a  policy  lapsing  through 
non-payment  of  premiums,  a  surrender  value  could  be 
claimed  at  any  time  within  six  months,  such  value  to  be 
either  paid-up  insurance  or  extended  insurance  as  might 
be  stipulated  in  the  policy  contract.  Verbal  changes 
were  made  when  the  insurance  laws  of  1892  were  put 
in  force,  but  these  changes  did  not  affect  the  values  to 
be  given  or  the  conditions  on  which  such  values  could 
be  claimed.     The  law  at  present  in  force  reads  as  follows : 

STATUTES  OF  THE  STATE  OF  NEW  YORK, 

Laws  of  1892. 

Chapter  690,  Article  II. ,  Section  88. 

Surrender  value  of  lapsed  or  forfeited  policies. — Whenever  any 
policy  of  life  insurance  issued  after  January  first,  eighteen  hundred 
and  eighty,  by  any  domestic  life  insurance  corporation  after  being 
in  force  three  full  years,  shall,  by  its  terms,  lapse  or  become 
forfeited  for  the  non-payment  of  any  premium  or  any  note  given 
for  a  premium  or  loan  made  in  cash  on  such  policy  as  security, 
or  of  any  interest  on  such  note  or  loan,  the  reserve  on  such  policy 
computed  according  to  the  American  experience  table  of  mortality 
at  the  rate  of  four  and  one-half  per  cent  per  annum  shall,  on 
demand  made,  with  surrender  of  the  policy  within  six  months 
after  such  lapse  or  forfeiture,  be  taken  as  a  single  premium  of  life 
insurance  at  the  published  rates  of  the  corporation  at  the  time 
the  policy  was  issued,  and  shall  be  applied,  as  shall  have  been 
agreed  in  the  application  or  policy,  either  to  continue  the  insur- 
ance of  the  policy  in  force  at  its  full  amount  so  long  as  such  single 
premium  will  purchase  temporary  insurance  for  that  amount, 
at  the  age  of  the  insured  at  the  time  of  lapse  or  forfeiture,  or  to 
purchase  upon  the  same  life  at  the  same  age  paid-up  insurance 
payable  at  the  same  time  and  under  the  same  conditions,  except 
as  to  payments  of  premiums,  as  the  original  policy  If  no  such 
agreement  be  expressed  in  the  application  or  policy,  such  single 
premium  may  be  applied  in  either  of  the  modes  above  specified 
at  the  option  of  the  owner  of  the  policy,  notice  of  such  option  to 
be  contained  in  the  demand  hereinbefore  required  to  be  made  to 
prevent  the  forfeiture  of  the  policy. 

The  reserve  hereinbefore  specified  shall  include  dividend  addi- 
tions calculated  at  the  date  of  the  failure  to  make  any  of  the 
payments  above  described  according  to  the  American  experience 
table  of  mortality  with  interest  at  the  rate  of  four  and  one-half 
per  cent  per  annum  after  deducting  any  indebtedness  of  the 
insured  on  account  of  any  annual  or  semi-annual  or  quarterly 
premium  then  due,  and  any  loan  made  in  cash  on  such  policy, 
evidence  of  which  is  acknowledged  by  the  insured  in  writing. 

The  net  value  of  the  insurance  given  for  such  single  premium 
under  this  section,  computed  by  the  standard  of  this  State,  shall 
in  no  case  be  less  than  two-thirds  of  the  entire  reserve  computed 
according  to  the  rule  prescribed  in  this  section  after  deducting 


32  Principles  and  Practice 


the  indebtedness  as  specified ;  but  such  insurance  shall  not  partici- 
pate in  the  profits  of  the  corporation. 

If  the  reserve  upon  any  endowment  policy  applied  according 
to  the  provisions  of  this  section  as  a  single  premium  of  temporary 
insurance  be  more  than  sufficient  to  continue  the  insurance  to 
the  end  of  the  endowment  term  named  in  the  policy,  and  if  the 
insured  survive  that  term,  the  excess  shall  be  paid  in  cash  at  the 
end  of  such  term,  on  the  conditions  on  which  the  original  policy 
was  issued. 

This  section  shall  not  apply  to  any  case  where  the  provisions 
of  the  section  are  specifically  waived  in  the  application  and  notice 
of  such  waiver  is  written  or  printed  in  red  ink  on  the  margin  of 
the  face  of  the  policy  when  issued 

MASSACHUSETTS  NON-FORFEITURE  LAWS. 

In  1 86 1  the  Legislature  of  Massachusetts  adopted  a 
non -forfeiture  law  to  protect  the  interests  of  policy- 
holders ;  that  year  marked  the  commencement  of  legisla- 
tion on  this  subject.  Frequent  changes  have  been  made 
in  the  old  Massachusetts  law,  and  as  such  changes  do 
not  become  retroactive,  it  follows  that  policies  once 
issued  remain  at  all  time  under  the  law  in  force  at  the 
date  of  their  issue.  Apart  therefore  from  the  historical 
value  of  the  various  laws  and  the  changes  therein,  the 
different  laws  have  also  a  practical  value,  as  they  still 
apply  to  existing  policy  contracts. 

The  text  of  the  three  different  non -forfeiture  laws  is 
therefore  given  in  full,  first  the  original  law,  second  the 
codification  of  1887,  and  third  the  existing  law.  Notes 
are  added  as  to  the  minor  changes  which  have  been  made : 

THE  MASSACHUSETTS  NON-FORFEITURE  LAW. 
Approved  April  10,   1861. 

Section  i.  No  policy  of  insurance  on  life  hereafter  issued  by 
any  company  chartered  by  the  authority  of  this  Commonwealth 
shall  be  forfeited  or  become  void  by  the  non-payment  of  premium 
thereon,  any  further  than  regards  the  right  of  the  party  insured 
therein  to  have  it  continued  in  force  beyond  a  certain  period,  to  be 
determined  as  follows,  to-wit :  The  net  value  of  the  policy,  when 
the  premium  becomes  due  and  is  not  paid,  shall  be  ascertained 
according  to  the  "Combined  Experience"  or  "Actuaries"  rate  of 
mortality,  with  interest  at  four  per  centum  per  annum.  After 
deducting  from  such  net  value  any  indebtedness  to  the  company 
or  notes  held  by  the  company  against  the  insured,  which  notes,  if 
given  for  premiums,  shall  then  be  canceled,  four-fifths  of  what 
remains  shall  be  considered  as  net  single  premium  of  temporary 
insurance,  and  the  term  for  which  it  will  insure  shall  be  determined 
according  to  the  age  of  the  party  at  the  time  of  the  lapse  of  the 
premium  and  the  assumptions  of  mortality  and  interest  aforesaid. 

Section  2.  If  the  death  of  the  party  occur  within  the  term  of 
temporary  insurance  covered  by  the  value  of  the  policy,  as  de- 
termined in  the  previous  section,  and  if  no  condition  of  the  insur- 
ance other  than  the  payment  of  premium  shall  have  been  violated 
by  the  insured,  the  company  shall  be  bound  to  pay  the  amount  of 
the  policy  the  same  as  if  there  had  been  no  lapse  of  premium, 


Of  Life  Insurance.  33 


anything  in  the  policy  to  the  contrary  notwithstanding;  provided, 
however,  that  notice  of  the  claim  and  proof  of  the  death  shall  be 
submitted  to  the  company  within  ninety  days  after  the  decease ; 
and  provided  also  that  the  company  shall  have  the  right  to  deduct 
from  the  amount  insured  in  the  policy  the  amount  at  six  per 
centum  per  annum  of  the  premiums  which  have  been  forborne  at 
the  date  of  his  death. 

MASSACHUSETTS  NON-FORFEITURE  LAW. 
Codification  of  1887. 

Section  76.  All  policies  hitherto  issued  by  any  domestic  life 
insurance  company  shall  be  subject  to  the  provisions  of  law  appli- 
cable and  in  force  at  the  date  of  such  issue.  No  policy  of  life  or 
endowment  assurance  hereafter  issued  by  any  such  company  shall 
become  forfeited  or  void  for  non-payment  of  premium  after  two 
full  annual  premiums,  in  cash  or  note,  or  both,  have  been  paid 
thereon ;  but  in  case  of  default  in  the  payment  of  any  subsequent 
premium,  then,  without  any  further  stipulation  or  act,  such  policy 
shall  be  binding  upon  the  company  for  the  amount  of  paid-up 
insurance  which  the  then  net  value  of  the  policy  and  all  dividend 
additions  thereon,  computed  by  the  rule  of  section  eleven,  less  any 
indebtedness  to  the  company  on  account  of  said  policy,  and  less 
the  surrender  charge  provided  herein  will  purchase  at  a  net  single 
premium  for  life  or  endowment  insurance  maturing  or  terminating 
at  the  time  and  in  the  manner  provided  in  the  original  policy 
contract ;  and  such  default  shall  not  change  or  affect  the  conditions 
or  terms  of  the  policy,  except  as  regards  the  payment  of  premiums 
and  the  amount  payable  thereon.  Said  surrender  charge  shall 
be  eight  peer  ent  of  the  insurance  value  of  the  policy  at  the  date  of 
default,  which  insurance  value  is  the  present  value  of  all  the  normal 
future  yearly  costs  of  insurance  which  by  its  terms  said  policy  is 
exposed  to  pay  in  case  of  its  continuance,  computed  upon  the  rate 
or  mortality  and  interest  assumed  in  section  eleven.  Every  such 
policy,  after  the  payment  of  two  full  annual  premiums  thereon, 
shall  have  a  surrender  value  which  shall  be  its  net  value,  less  the 
surrender  charge,  and  less  any  indebtedness  to  the  company  on 
account  of  the  said  policy,  and  its  holder  may,  upon  any  subsequent 
anniversary  of  its  issue,  surrender  the  same  and  claim  and  recover 
from  the  company  such  surrender  value  in  cash;  provided  that 
from  the  surrender  value  of  all  endowment  policies  the  company 
may  deduct  five  per  cent.  On  policies  of  prudential  or  industrial 
insurance  on  which  the  weekly  premiums  are  not  more  than  fifty 
cents  each  the  surrender  value  in  all  cases  shall  be  payable  in  cash. 
Upon  surrender,  on  any  anniversary  of  its  issue,  of  a  policy  which 
has  become  paid-up  after  the  payment  of  two  full  annual  pre- 
miums, by  force  of  the  statute  upon  default  in  payment  of  pre- 
mium, the  holder  shall  be  entitled  to  its  net  value,  payable  in  cash ; 
provided  that  from  such  net  value  of  all  endowment  policies  the 
company  may  deduct  five  per  cent.  But  no  surrender  of  a  policy 
shall  be  made  without  the  written  assent  of  the  person  to  whom  the 
policy  is  made  payable  Any  condition  or  stipulation  in  the  policy 
or  elsewhere,  contrary  to  the  provisions  of  this  section  and  any 
waiver  of  such  provisions  by  the  assured,  shall  be  void. 

The  Actuaries'  Rate  of  Mortality  with  four  per  cent  interest  is 
given  as  the  basis  of  computation  of  net  value  in  Section  1 1  of  the 
Codification  of   1887. 

In  1894  a  change  in  the  above  law  was  made  so  that 
it  might  apply,  in  accordance  with  the  practice  of  com- 
panies, to  policies  taken  bv  single  premiums. 


34  Principles  and  Practice 

In  1896  the  clause  "provided  that  from  the  sur- 
render value  of  all  endowment  policies  the  company 
may  deduct  5  per  cent"  was  struck  out;  companies 
had  not  availed  themselves  of  the  right  to  make  the 
deduction. 

In  1900  the  entire  law  was  changed,  and  the  following 
is  now  in  force: 

MASSACHUSETTS  NON-FORFEITURE   LAW. 

Chapter  118,  Section  76,  Revised  Laws. 

Paid-up  and  cash  surrender  values. — All  policies  issued  prior  to 
the  first  day  of  January  in  the  year  nineteen  hundred  and  one  by 
any  domestic  life  insurance  company  shall  be  subject  to  the  pro- 
visions of  law  limiting  forfeiture  which  are  applicable  and  in  force 
at  the  date  of  their  issue.  No  policy  of  life  or  endowment  insur- 
ance issued  by  any  such  company  after  the  thirty-first  day  of 
December  in  the  year  nineteen  hundred  shall  become  forfeit  or 
void  for  non-payment  of  premium  after  three  full  annual  premiums 
have  been  paid  thereon ;  but  in  case  of  default  in  the  payment  of 
any  subsequent  premium,  then  without  any  further  stipulation 
or  act  such  policy  shall  be  binding  upon  the  company  for  the 
amount  of  paid-up  insurance  which  the  then  net  value  of  the 
policy  and  all  dividend  additions  thereon,  computed  by  the  rule 
of  section  eleven,  less  any  indebtedness  to  the  company  on  account 
of  said  policy,  and  less  the  surrender  charge  provided  herein,  will 
purchase  as  a  net  single  premium  for  life  or  endowment  insurance 
maturing  or  terminating  at  the  time  and  in  the  manner  provided 
in  the  original  policy  contract;  and  such  default  shall  not  change 
or  affect  the  conditions  or  terms  of  the  policy,  except  as  regards 
the  payment  of  premiums  and  the  amount  payable  thereon. 
Said  surrender  charge,  unless  fixed  at  a  smaller  rate  by  the  policy, 
shall  be  five  per  cent  of  the  present  value  of  the  future  net  pre- 
miums at  the  date  of  default,  which  by  its  terms  said  policy  is 
exposed  to  pay  in  case  of  its  continuance,  computed  upon  the 
rate  of  mortality  and  interest  assumed  in  section  eleven.  But 
any  company  may  contract  with  its  policyholders  to  furnish,  in 
lieu  of  the  paid-up  insurance  provided  for  in  this  section,  any  other 
form  of  life  insurance  lawful  in  this  commonwealth,  of  not  less 
value.  Every  such  paid-up  policy  shall  have  a  cash  surrender 
value,  which  shall  be  its  net  value,  less  any  indebtedness  to  the 
company  on  account  of  said  policy,  and  every  policy  which  by 
its  own  terms  has  become  paid-up  shall  have  a  cash  surrender 
value,  which  shall  be  its  net  value,  less  five  per  cent  of  one  net 
premium,  and  the  holder  of  any  paid-up  policy  may  upon  any 
anniversary  of  its  issue  surrender  the  same  and  claim  and  recover 
from  the  company  such  surrender  value  in  cash.  But  no  sur- 
render of  a  policy  shall  be  made  without  the  written  assent  of 
the  person  to  whom  the  policy  is  made  payable.  On  policies  of 
prudential  or  industrial  insurance  on  which  the  weekly  premiums 
are  not  more  than  fifty  cents  each  the  surrender  value  shall  in  all 
cases  be  payable  in  cash,  which  shall  be  a  legal  claim  for  not  more 
than  two  years  from  the  date  of  lapse.  Any  condition  or  stipula- 
tion in  the  policy  or  elsewhere  which  is  contrary  to  the  provisions 
of  this  section,  and  any  waiver  of  such  provisions  by  the  insured, 
shall  be  void. 

The  Massachusetts  Law  does  not  require  the  surren- 
der of  the  policy,  but  under  the  New  York  Law  the 


Of  Life  Insurance.  35 

policy  must  be  surrendered  within  six  months  after 
the  date  of  lapse  in  order  that  the  specified  values 
may  be  obtained.  The  value  under  the  Massachusetts 
Law  is  automatically  carried  forward  to  the  credit  of 
the  policy-holder,  and  awaits  him  at  such  time  as  he 
may  claim  it.  When  the  contract  calls  for  the  surren- 
der of  the  policy  within  a  specific  period,  and  this  re- 
quirement does  not  conflict  with  the  law  of  the  State, 
then  if  the  insured  does  not  surrender  the  policy  and 
claim  the  value  all  his  right  will  cease  at  the  end  of 
the  stipulated  time.  In  case  no  time  is  stipulated 
within  which  the  surrender  should  be  made  and  the 
contract  contains  a  provision  that  in  case  of  default 
in  the  payment  of  any  premium  when  due,  all  payments 
are  to  be  forfeited  (a  provision  which  would  be  binding 
under  the  laws  of  several  of  the  States),  then  the  sur- 
render should  be  made  before  such  default  occurs. 
A  decision  to  this  effect  was  made  by  the  Supreme 
Court  of  Pennsylvania  in  1888  in  Smith  vs.  National 
Life  Insurance  Company.  The  practice  is,  however, 
becoming  more  and  more  common  for  companies  to 
grant  automatic  non -forfeiture  privileges  whereby  the 
insured  obtains  a  reasonable  value  if  he  should  discon- 
tinue payment  of  premium,  this  value  being  allocated 
to  him  whether  he  claims  it  or  not.  The  trend  of  legis- 
lation seems  to  be  in  the  same  direction. 


36  Principles  and  Practice 


SCIENTIFIC  PRINCIPLES 
OF  LIFE  INSURANCE. 

While  accident  or  acute  disease  may  carry  off  any 
person  in  a  moment,  in  the  twinkling  of  an  eye,  it  is 
a  fact,  now  clearly  established,  that  the  death  rate  in 
a  body  of  persons  is  subject  to  a  well-defined  law.  The 
rate  may  vary  according  to  the  circumstances  of  the 
people,  according  to  occupation,  and  according  to 
country,  but  persons  living  in  modern  conditions  and 
healthy  surroundings  experience  a  rate  of  mortality 
which  is  marveloiisly  regular  from  year  to  year,  and 
still  more  regular  when  viewed  over  a  lengthened  period 
such  as  a  generation.  The  fluctuation  as  between  one 
year  and  the  year  immediately  succeeding  may  some- 
times be  considerable,  although  even  that  is  less  than 
one  would  expect  when  consideration  is  given  to  the 
variations  in  temperature  and  moisture  as  between  one 
year  and  the  next.  Sometimes  the  effect  of  an  unusual 
season  is  different  from  what  one  might  suppose ;  it  has 
been  shown  that  a  wet  season  is  in  many  instances  more 
healthy  than  a  dry  one,  the  reason  being  apparently 
that  the  dust  particles  in  the  air  are  more  dangerous 
than  the  moisture. 

As  the  result  of  careful  observations  over  a  period 
now  extending  to  more  than  300  years,  very  accurate 
knowledge  has  been  obtained  as  to  the  rates  of  mortality 
in  temperate  zones.  For  general  purposes  the  investiga- 
tion is  made  of  communities  from  the  vital  statistics 
derived  from  census  returns  and  the  deaths  which  take 
place  between  two  census  dates.  Such  tables  were  also 
used  for  life  insurance  purposes  in  the  early  years  of  the 
science,  but  it  was  soon  demonstrated  that  insured  lives 
were  subject  to  a  different  rate  of  mortality  from  the 
general  population,  especially  in  the  first  few  years  after 
their  policies  were  taken.  The  reason  for  this  is  simple: 
Life  Insurance  Companies,  to  protect  their  own  interests, 
will  only  accept  healthy  persons  who  can  undergo 
medical  examination  to  their  satisfaction.  At  the 
present  time,  therefore,  statistics  derived  from  insured 
lives  are  used  almost  exclusively  by  Life  Insurance 
Companies,  and  the  variation  from  the  standard  mortal- 
ity table  is  seldom  great  after  the  first  two  or  three  years 
have  elapsed  from  the  dates  when  the  policies  are  taken. 
The  calculations  involving  mortality  statistics  can  now 
be  accurately  made,   and  the  principles  on  which  life 


Of  Life  Insurance.  37 

insurance  transactions  are  based  are  spoken  of  as 
Actuarial  Science.  Mathematically  this  term  might  be 
defined  as  the  combination  of  monetary  indemnity 
with  the  doctrine  of  chances. 

As  life  insurance  contracts  involve  monetary  obliga- 
tions extending  over  a  long  period  of  time,  the  interest 
on  money  is  a  very  important  factor  in  dealing  with 
Actuarial  Science.  The  premiums,  or  at  least  a  certain 
portion  of  the  total  premiums,  have  to  be  accumulated 
at  interest  so  as  to  provide  the  sum  insured  at  the 
proper  time.  The  interest  question,  therefore,  as 
affecting  life  insurance,  relates  not  only  to  the  rates 
which  may  be  obtained  for  high-class  investments  now, 
but  must  take  into  consideration  the  interest  to  be 
earned  in  future,  that  is,  between  the  time  when  policies 
are  effected  and  the  time  when  the  sums  insured  become 
payable.  This  future  rate  is  necessarily  of  the  nature 
of  an  estimate,  and  any  such  estimate  must  be  on  a 
conservative  basis,  such  a  rate  being  used  in  the  calcula- 
tions as  can  surely  be  earned. 

For  the  investment  of  its  funds  a  Life  Insurance 
Company  can  select  from  a  wide  range  of  securities, 
including  Government,  State,  and  Municipal  securities, 
mortgage  loans,  real  estate,  stocks,  bonds,  etc.  With 
this  variety  of  choice,  the  result  has  been  that  Insurance 
Companies  have  earned  a  very  satisfactory  interest  rate, 
and  despite  the  recent  tendency  towards  reduction,  the 
average  even  yet  exceeds  4  per  cent.  A  maximum  rate 
for  valuation  purposes  has  been  prescribed  by  the 
statutes  of  most  of  the  States.  This  maximum  rate  is 
as  high  as  4%  per  cent  in  one  or  two  Western  States,  but 
in  the  East  it  is  generally  3^  per  cent.  A  good  many 
companies  as  a  further  precautionary  measure  have 
adopted  3  per  cent  voluntarily,  in  order  to  avoid  any 
possibility  of  loss  in  future  if  the  interest  on  money 
should  seriously  diminish. 

The  calculations  required  in  life  insurance,  therefore, 
involve  two  important  factors,  (1)  compound  interest, 
and  (2)  rates  of  mortality.  The  principles  of  compound 
interest  form  part  of  the  mathematics  now  always 
included  in  a  good  general  education,  but  as  some 
symbols  are  used  in  a  particular  sense  in  Actuarial 
Science,  it  will  be  well  to  recapitulate  briefly  some  of 
the  general  outlines. 

Compound  Interest. 
Amount. — If  $100  be  invested  at  4  per  cent  per  annum, 
the  lender  will  at  the  end  of  one  year  possess  $104,  this 
being  his  original  capital  with  the  addition  of  $4  of 


3« 


Principles  and  Practice 


interest.  If  he  again  invest  this  larger  sum  at  the 
same  rate,  the  interest  he  would  earn  in  the  second  year 
would  be  4  per  cent  on  $104,  that  is  $4.16,  so  that  at 
the  end  of  the  second  year  he  would  possess  $108.16. 
If  this  again  were  invested  for  a  third  year,  the  interest 
would  be  $4.33  and  the  total  sum  in  hand,  or  the 
"amount"  after  three  years  would  be  $112.49;  during 
the  fourth  year  the  interest  would  be  $4.50  and  the 
"amount"  at  the  end  of  the  fourth  year,  $116.99,  and 
so  forth. 

It  is  unnecessary  to  carry  the  above  illustration 
further.  These  values,  and  those  in  continuation,  are 
shown  more  accurately  in  Table  V.  on  page  70.  The 
above  figures  show  the  difference  between  simple  and 
compound  interest.  At  simple  interest  the  amount  in 
hand  at  the  end  of  the  fourth  year  would  be  $116  only, 
consisting  of  the  $100  originally  lent  and  interest  for 
four  years  of  $4  each  year.  The  figures  show  further 
that  the  difference  between  the  simple  and  the  compound 
interest  is  an  increasing  quantity,  beginning  with  16 
cents  at  the  end  of  the  second  year,  increasing  to  33 
cents  in  the  third  year,  and  to  50  cents  in  the  fourth 
year.  If  the  illustration  were  carried  further,  the 
difference  between  simple  and  compound  interest  would 
be  more  striking;  in  the  twentieth  year,  the  amount 
at  compound  interest  would  be  $219,  while  at  simple 
interest  it  would  only  be  $180;  in  the  fiftieth  year  at 
compound  interest  the  amount  of  $100  would  be  $711, 
whereas  at  simple  interest  it  would  only  be  $300. 

The  use  of  simple  interest  is  entirely  illogical  over 
an  extended  time  if  there  is  any  means  of  enforcing 
payment  of  the  interest  when  due,  because  when  the 
interest  is  obtained  it  can  always  be  re-invested  so  as 
to  earn  more  interest,  and  this  is  particularly  the  case 
when  an  Insurance  Company  or  Corporation  collects 
large  sums  of  interest  which  can  be  re-invested  at  once 
on  favorable  terms. 

In  dealing  with  the  theory  of  this  subject,  it  is 
convenient  to  employ  unity  as  the  basis  instead  of  $100 
as  used  in  the  above  illustration.  If  the  interest  be  4 
per  cent  as  above,  the  rate  on  a  single  unit  would  be 
.04.  This  rate  per  unit  is  generally  expressed  symbolic- 
ally as  i,  the  initial  letter  of  the  word  interest.  The 
amount  of  1  in  one  year  would  therefore  be  (i-f-t).  If 
this  amount  were  re-invested  for  another  year,  the 
interest  earned  upon  it  would  be  iX  (1  +t)  and  the  total 
amount  at  the  end  of  the  second  year  would  therefore  be 
(i+*)+i>C(i+i)  —  (i+t)(i+t),  or  (i+i)2.  Continuing 
the  same  principle  for  an  indefinite  number  of  years, 


I  ■-¥  I 


Of  Life  Insurance.  39 

say  x  years,  we  have  as  the  amount  of  1  in  x  years 
(i+i)x.  It  is  of  course  understood  that  x  may  repre- 
sent any  number.  For  example,  by  Table  V.  if  the 
value  10  be  given  to  x,  we  have  the  amount  of  1  in  10 
years  1.4802  at  4  per  cent  interest;  in  20  years  it  is 
2.1911;  and  in  50  years  7.1067.  If  the  amount  in- 
vested were  different  from  1,  it  would  only  be  necessary 
to  multiply  the  above  figures  by  the  relative  amount. 
Thus,  if  $50  were  invested  for  10  years  at  4  per  cent 
compound  interest,  the  amount  at  the  end  of  that  time 
would  be  $74.01.  In  like  manner,  if  $1,000  were  in- 
vested for  the  same  period,  the  amount  would  be 
$1,480.20  at  compound  interest. 

Amount  of  1,  or  100,  Per  Annum. — The  foregoing 
explains  how  a  single  investment  may  be  accumulated. 
In  life  insurance  transactions  an  annual  deposit  is 
frequent.  If  a  payment  of  $100  were  to  be  made  each 
year  and  accumulated  at  4  per  cent  interest,  the  process 
would  be  as  follows: 

First  payment  made $100 .  00 

Add  interest  for  first  year  at  4  per  cent 4 .  00 

TOTAL  AT  END  OF  FIRST  YEAR $104  .  OO 

Add  payment  at  beginning  of  second  year 100 .  00 

TOTAL  AT  BEGINNING  OF  SECOND  YEAR $204 . OO 

Add  interest  for  second  year  at  4  per  cent 8.16 

TOTAL  AT  END  OF  SECOND  YEAR $212.  1 6 

Add  payment  at  beginning  of  third  year. 100 .  oo 

Add  year's  interest  on  $312.16  at  4  per  cent..        12.49 

TOTAL  AT  END  OF  THIRD  YEAR $324  .  65 

etc.  etc. 

The  same  result  as  is  above  shown  can  be  obtained 
from  the  table  of  the  amount  of  i.  The  total  amount 
of  $100  each  year  with  4  per  cent  interest  at  the  end 
of  the  third  year  is  composed  of  three  separate  amounts, 
namely : 

(1.)  $100  invested  for  3  years  at  4  per  cent 

amounting  to $1 12 .  49 

(2.)   $100  invested  for  2  years  at  4  per  cent 

amounting  to. . .  , 108 .  16 

(3.)   $100  invested  for   1   year  at   4  per  cent 

amounting  to 104 .  00 

TOTAL $324-65 


40  Principles  and  Practice 

By  the  use  of  algebraic  symbols  the  process  for  arriving 
at  the  amount  of  i  per  annum  over  a  given  number  of 
years  can  be  simplified.  The  result  is  exactly  the  same 
as  that  above  shown,  but  the  process  of  calculation  is 
reduced.  It  is  evident  that  the  amount  of  i  per  annum 
consists  of  the  accumulations  of  each  individual  payment : 

The    last    payment    of     i     would     have 

amounted     to ( i  +  i) 

The  second  last  payment  of  i  would  have 

amounted  to (i  +i)2 

The  third  last  payment  of   i  would  have 

amounted  to (i  +  t)3,  etc. 

The   first   payment   would   after   x   years 

have  amounted  to (i  +  i)x 

The  above  series  of  values  is  a  geometrical  progression 
with  a  ratio  ( i  +  i) .  The  sum  of  the  series  by  the 
common  algebraic  rule  is  therefore 

By  working  out  this  formula  for  all  values  of  x,  the 
succeeding  figures  for  the  table  of  the  amount  of  i  per 
annum  may  be  obtained.  Referring  again  to  Table  V.  it 
will  be  observed  that  the  amount  of  i  paid  each  year  in 
advance,  and  accumulated  at  4  per  cent  for  10  years, 
is  $12.4864;  the  amount  of  $50  per  annum  in  advance 
would  therefore  be  $624.32,  and  of  $100  per  annum 
$1,248.64. 

If  the  payments  were  made  at  the  end  of  each  year 
instead  of  at  the  beginning,  the  interest  earnings  would 
be  different,  and  the  formula  would  not  be  quite  the 
same  as  that  above  given.  In  that  case  the  last  pay- 
ment would  be  made  at  the  date  up  to  which  the  accumu- 
lation takes  place;  it  would  therefore  earn  no  interest; 
and  the  interest  on  every  payment  would  in  like  manner 
run  for  one  year  less.  In  other  respects  the  amount 
would  remain  the  same  as  if  the  accumulation  took  place 
for  one  year  less ;  that  is,  the  amount  of  1  at  the  end  of 
each  year  for  ten  years  is  equivalent  to  the  amount  of 
1  at  the  beginning  of  each  year  for  nine  years,  plus  the 
tenth  payment  of  1  received  at  the  date  of  accumulation. 
At  4  per  cent  interest  this  amount  would  therefore  (see 
Table  V.)  be  11.0061  +  1  =  12.0061,  which  is  consider- 
ably smaller  than  the  corresponding  amount  of  1  per 
annum  payable  at  the  beginning  of  each  year,  given 
above. 

Present  Values. — We  have  seen  that  $100  amounts  to 
$104  in  one  year  at  4  per  cent  interest,  and  therefore 


Of  Lifk  Insurance.  41 

$100  is  the  present  value  of  $104  due  in  one  year.  What 
then  is  the  present  value  of  $100  due  at  the  end  of  one 
year?     The  result  is  obtained  very  simply  by  proportion, 

namely,  =  $96. 15.     In  like  manner,  the  present 

value  of  $100  due  in  two  years  may  be  obtained  by 
proportion  from  the  sum  to  which  $100  will  amount  in 

two   years.     It   is   therefore — —  =  $02.46.     Other 

108.16 

values  may  be  obtained  in  the  same  way.  We  may 
express  the  ideas  conveyed  by  the  above  examples 
thus :  If  $96. 1 5  were  invested  now  at  4  per  cent  interest 
for  one  year,  the  amount  at  the  end  of  the  year  would 
be  $100;  or  if  $92.46  were  invested  for  two  years  at 
4  per  cent  the  amount  after  two  years  would  be  $100. 
To  investigate  present  values  individually  and  arith- 
metically as  above  is  a  tedious  process  as  compared  with 
that  which  is  evolved  by  the  use  of  algebra.  It  was 
shown  that  1  in  one  year  would  amount  to  (i+i). 
It    follows    by   proportion,     that    the    present    value 

of  1  due  at  the  end  of  one  year  must  be  -, -.     This 

(1+*) 
is  generally  expressed  as  v,  the  initial  letter  of  the  word 
value,  so  that  we  have 


(1 -HO 

The  amount  of   1  in  two  years  is  (i-f-t)2,  so  that  the 
present  value  of  1  due  in  two  years  is 

v2  =  - 


Generally  the  present  value  of  1  due  at  the  end  of  x 
years  is 


vx 


(i+*> 


A  table  of  present  values  may  be  formed  very  easily 
from  a  table  of  amounts  by  taking  the  reciprocal  of 
each  successive  amount ;  or  it  may  be  formed  by  success- 
ive division  from  the  commencement  by  (i-f-t),  or  by 

continued  multiplying  by ^. 

Still  another  way,  and  perhaps  the  best  of  all,  is  to 
calculate  the  value  when  #=50  or  ioq  and  thereafter 
multiply  by  (i+i),  thereby  obtaining  the  successive 
values  as  x  decreases.  Tables  of  these  present  values 
are  available  for  all  ordinary  purposes,  the  4  per  cent 
table  being  given  in  the  second  column  of  Table  V., 


42  Principles  and  Practice 

from  which  it  will  be  observed  that  the  present  value 
of  $100  due  in  ten  years  would  be  $67.56,  and  of  the 
same  amount  due  in  fifty  years,  $14.07. 

Present  Value  of  1  Per  Annum. — We  have  seen  by  the 
foregoing  that  the  value  of  $100  due  in  one  year  at  4 
per  cent  is  $96.15,  and  that  the  present  value  of  $100 
due  in  two  years  is  $92.46.  It  follows  that  the  present 
value  of  $100  per  annum  for  two  years  is  the  sum  of  the 
two,  namely,  $188.61.  The  present  value  of  $100  due 
in  three  years  is  $88.90,  and  adding  this  amount  to 
$188.61  we  have  $277.51  as  the  present  value  of  $100 
per  annum  for  three  years.  This  is  probably  a  suf- 
ficient general  explanation  of  the  last  column  given 
in  Table  V.  above  mentioned.  From  that  table  it  will 
be  observed  that  the  present  value  of  $100  per  annum 
for  ten  years  is  $811.09,  the  total  payment  for  the 
entire  period  being,  of  course,  $1,000;  and  the  present 
value   of   $100  per  annum  for  fifty  years  is  $2,148.22. 

Algebraically  the  process  of  obtaining  the  values  may 
be  simplified.  The  present  value  of  1  due  in  one 
year  is  represented  as  v;  the  present  value  of  1  due 
in  two  years  is  represented  as  v2;  the  present  value 
of  1  due  in  three  years  is  represented  as  v3;  the 
general  form  for  any  number  of  years  is  repre- 
sented as  vx.  This  series  is  a  geometrical  progres- 
sion    with    common    ratio    v,    and    the    sum    of    the 

1  —  vx 
series  may  be  easily  proved  to  be  — : — ,  representing 

the  present  value  of  1  per  annum  for  x  years,  and  general- 
ly written 

1  —  vx 


Life  Contingencies. 

The  other  important  factor  in  Actuarial  Science  is 
the  rate  of  mortality,  and  in  this  connection  the  general 
nature  of  a  mortality  table  has  already  been  explained 
(see  page  21).  Many  mortality  tables  have  been 
published,  some  of  them  for  general  use,  and  some  for 
special  purposes;  but  two  only  have  been  very  widely, 
almost  exclusively,  used  in  America  by  old-line  com- 
panies during  the  last  40  years,  namely,  the  Actuaries' 
Table  and  the  American  Experience  Table. 

Actuaries'  Table  of  Mortality. — This  is  frequently 
referred  to  as  the  "Combined  Experience"  Table,  or 
in  Britain,  as  the  "Seventeen  Offices"  Table.  It  was 
compiled  from  statistics  given  by  17  British  Insurance 
Companies,  who  furnished  particulars  of  nearly  84,000 
policies   taken   out   between  the  years   1762  and   1833. 


Of  Life  Insurance.  43 

The  various  tables  were  arranged  under  the  supervision 
of  Jenkin  Jones,  and  were  published  in  London  in  1843. 
For  many  years  this  table,  with  4  per  cent  interest, 
formed  the  basis  of  valuation  prescribed  by  law  in 
several  of  the  most  important  States.  It  was  therefore 
generally  adopted  by  American  companies,  although  it 
has  now  been  superseded  by  the  American  Experience 
Table.  The  change  in  the  laws  was  not  made  retro- 
active, and'  accordingly  the  Actuaries'  Table  is  still  used 
in  New  York  and  Massachusetts  for  the  valuation  of 
policies  effected  prior  to  January  1st,  1901. 

American  Experience  Table  of  Mortality. — This  table 
was  published  in  1868,  and  was  constructed  by  Sheppard 
Homans  who  was  then  the  Actuary  of  the  Mutual  Life 
Insurance  Company  of  New  York.  It  is  understood 
that  he  used  mortality  statistics  taken  from  the  experi- 
ence of  that  company,  after  excluding  the  very  light 
mortality  of  the  first  year  or  two  after  the  date  of  entry ; 
but  it  is  generally  supposed  that  the  table  was  adjusted 
more  or  less  arbitrarily,  such  adjustments  being  based 
upon  the  wide  and  unusual  experience  of  its  author. 
For  some  time  after  its  first  publication,  this  table  was 
used  with  4J  per  cent  interest  as  the  Standard  Table 
for  valuation  in  many  of  the  States.  It  was  afterwards 
superseded  by  the  Actuaries'  Table  with  4  per  cent 
interest,  but  has  again  been  re-introduced  with  a  reduced 
interest  rate  of  3^  per  cent,  as  from  January  1st,  1901, 
this  being  the  legal  valuation  basis  in  New  York  and 
Massachusetts. 

It  has  already  been  explained  that  the  mortality  table 
contains  a  record  of  the  number  who  would  survive  a 
year  out  of  a  given  number  of  persons  alive  at  the  be- 
ginning of  the  same  year.  The  actual  figures  forming  the 
American  Experience  Table  of  Mortality  are  given  in 
Table  X.  on  page  82.  It  is  customary  to  represent  the 
number  living  at  any  age  by  the  symbol  lx,  and  the 
number  dying  between  any  two  ages  by  dx.  The  num- 
bers living  at  ages  10,  11,  etc,  are  /10  =  100,000, 
llx  =  99,251,  etc  ,  while  the  numbers  dying  are  d10  =  j4g, 
dn  =  746,  etc.  The  American  Experience  Table  com- 
mences at  age  10  with  a  radix  of  100,000.  As  every 
person  alive  must  at  some  time  die,  it  follows  that  the 
sum  of  the  entire  number  dying  at  each  age  from  10 
upward  must  equal  the  number  living  at  age  10.  The 
sum  of  the  third  column  will  be  found  to  be  100,000; 
in  actuarial  notation  this  is  represented  as  follows: 

lx  =  dx  +  dx+1  +  dx+2  +  dx+3  +  dx+4  + 

The  number  living  n  years  after  the  age  x  is  written 


44  Principles  and  Practice 


lx+ny  and  this,  in  like  manner  to  the  above,  is  equal  to 
the  sum  of  the  deaths  from  age  x  +  n  upward. 

From  Table  X  on  page  82,  it  will  be  observed  that 
out  of  100,000  alive  at  age  10,  99,251  would  survive  one 
year,  while  749  would  die  before  attaining  age  11.  The 
chances  of  dying  or  of  surviving  are  therefore  in  the 
ratio  of  749  to  99,251. 

In  the  science  of  probability  it  is  customary  to  repre- 
sent the  chance  of  an  event  taking  place  as  a  fraction. 
The  probability  of  dying  in  a  year  at  age  10  would  be 

— '-^ — .     The  probability  of  surviving  a  year  would  be 

100,000  J 

99,251          -    «                                                       100,000 
-" — =— ,  and  the  sum  of  these  two  would  be =  1 

100,000  100,000 

which  represents  certainty,  or  the  combined  probability 
that  a  person  must  either  live  or  die;  we  know  there 
is  no  third  course. 

The  number  of  persons  out  of  100,000  who  live  for 
two  years  is  98,505;    therefore  the  probability  that  a 

person  10  years  of  age  will  live  two  years  is    9  '^°^  . 

100,000 
The  probability  that  a  person  of  age  11  will  survive  to 

age    12   is  =  .  992484;    and   as    746   persons   die 

between  ages  11  and  12,  the  probability  of  dying  in  that 

746 

time  is  — =.  0071;  16. 

99.251 

The  probabilities  of  dying  within  a  year  at  any  age 
are  given  in  the  Table  on  page  82  by  the  American 
Experience  Table,  and  on  page  360  by  the  Actuaries' 
Table. 

If  the  probability  of  dying  in  a  certain  period  be 
known,  the  probability  of  living  over  the  same  period 
may  be  at  once  obtained.  As  already  stated,  a  person 
must  either  live  or  die,  and  when  the  one  probability 
is  given  it  is  only  necessary  to  subtract  the  result  from 
unity  in  order  to  obtain  the  other. 

The  probability  of  living  for  a  year  is  represented  in 
actuarial  notation  by  the  symbol  px\  p  is  the  initial 
letter  of  the  word  probability,  and  the  subscript  x  on 
the  right  side  is  used  to  indicate  the  age  of  the  life. 
If  the  age  were  10  the  probability  of  living  a  year  would 
be  written  pl0;  if  the  age  were  15  it  would  be  written 
pl5,  etc.  Sometimes  it  is  desirable  to  express  the 
probability  of  living  a  year  at  an  age  a  few  years  older 
than  another  age;  in  that  case  the  symbol  used  is 
px+n  In  the  above  instance,  therefore,  the  probability 
of  living  a  year  at  age  15  could  be  represented  by  p10+s. 


Of  Life  Insurance.  45 

The  probability  of  dying  is  represented  by  the  letter  q, 
selected  because  of  its  being  the  letter  next  after  p. 
Thus  qx  represents  the  probability  of  dying  in  the  year 
from  age  x  to  age  x+i.  From  the  above  explanations 
it  will  be  very  readily  seen  that  the  following  equations 
hold  good .  To  a  considerable  extent  they  are  derived 
one  from  the  other,  and  involve  only  a  careful  under- 
standing of  the  symbols  employed. 


&X  ~  ''X       ^x-\-\ 

t+x+n  ==  ^x+n       ^x+n+i 

lx+i  ~  ^X        &X 

l>x               ^x 

-qx 

dx     Ix  —  lx+i 

lx              lx 

~Px 

i,               lx+n+i 
Px+n—    j 

^x+n 

The  probability  of  living  for  n  years  may  easily  be 

obtained.     We  observe  from  the  American  Experience 

Table  that  out  of  100,000  alive  at  age  10,  92,637  survive 

to  age   20.     The  probability  that  any  individual  will 

o  2  6  3  7 
survive  10  years  at  age  10  is  therefore       '  °    =  .02637. 

100,000 

Algebraically  this  result  is  expressed   in  general  terms 

as  follows: 

l  ^x+n 

nPx  =  ~f—- 
lx 

But  the  probabilities  over  a  longer  period  than  a 
single  year  are  seldom  required  in  life  insurance  calcula- 
tions . 

We  have  observed  from  the  American  Experience 
Mortality  Table  that  out  of  100,000  alive  at  age  10, 
99,251  will  survive  to  age  11,  98,505  to  age  12,  etc.  The 
number  of  full  years  which  would  be  lived  by  100,000 
persons  of  age  10  would  therefore  be  the  sum  of  the 
numbers  living  opposite  each  age  in  the  Mortality 
Table  If  all  these  years  were  added  together  and 
divided  by  100,000,  we  should  have  the  curtate  ex- 
pectation of  life,  this  being  the  average  number  of 
full  years  which  persons  of  a  given  age  will  live.  To 
obtain  the  complete  expectation,  it  is  necessary  to 
add  the  period  survived  by  those  who  die  during  the 
year.  On  the  assumption  that  death  takes  place  at 
equal  intervals  throughout  the  year  (an  assumption 
reasonably  accurate  except  at  the  very  old  ages)  each 
person  will  live  on  the  average  for  half  a  year  in  the 


46  Principles  and  Practice 


year  of  death.  The  "complete"  expectation  of  life  is 
therefore  obtained  from  the  curtate  expectation  by 
adding  one  half  year. 

Algebraically  the  expressions  above  referred  to,  would 
be  written  thus: 


e-r  = 


lx+i  ~t~  ^r-ttf  ~t~  ^r+3  ~^~  ^» 


lX 

This  gives  the  curtate  expectation  of  life,  and  from  it 
the  /'complete"  expectation  may  be  derived,  written 
usually  with  a  small  circle  above  the  e,  as  follows: 

o   _  jdx  +  lx+1  +  %dx+l  +  lX+2  +  hdx+2  +  k+3  +  •  •  • 
ex  _  —^ 

lx 
*/«  +  /«+! +/»+,  + /«+,+  ....        ,. 

= =  $  +  ex. 

*x 

It  should  be  carefully  noted  that  the  expectation  of  life 
is  of  very  limited  use,  principally  for  comparing  one 
Mortality  Table  with  another.  It  does  not  represent 
the  time  which  a  man  of  a  given  age  may  reasonably 
expect  to  live;  and,  moreover,  the  function  cannot  be 
used  for  accurate  monetary  calculations. 

Monetary   Obligations   Dependent  on   Mortality. 

One  of  the  simplest  obligations  on  the  part  of  an 
Insurance  Company  is  an  undertaking  to  pay  a  sum  of 
money  at  the  end  of  a  year  if  a  specified  person  should 
die  during  the  year.  Suppose  a  company  to  enter  into 
100,000  such  obligations  at  age  10;  then  we  know  that 
in  accordance  with  the  American  Experience  Mortality 
Table  749  of  these  lives  insured  would  die  during  the 
year,  and  therefore  749  claims  would  arise.  If  each 
claim  were  for  $1,000  the  total  sum  payable  at  the  end 
of  the  year  would  be  $749,000.  The  value  at  the  be- 
ginning of  the  year  would  be  the  same  amount  discounted 
at  interest.  If  the  interest  were  3^  per  cent,  the  value 
at    the    beginning    of    the    year    would    therefore    be 

ZMi  —  =  $723,672.     The  share  of  this  sum  applicable 

to  each  one  of  the  100,000  persons  would  be  $7.24,  and 
this  is  the  net  premium  which  would  be  required  at  age 
10  to  provide  one  year's  term  insurance  of  $1,000. 

There  is  another  way  of  arriving  at  the  same  result. 
The  probability  of  dying  in  a  year  at  age  10  is  .00749. 
If,  therefore,  any  person  should  desire  one  year's  insur- 
ance at  that  age  for  $1,000,  it  is  necessary  to  multiply 
together    (1)    the   probability   of   dying,    (2)    the    sum 


Of  Life  Insurance.  47 


insured,  and  (3)  the  present  value  of  1  due  at  the  end 
of  one  year,  giving  the  following  result: 

.  00749  X  1000  X =  $724  as  before. 

1.035 

The  above  example  illustrates  in  a  simple  way 
two  different  methods  of  arriving  at  accurate  results 
in  life  insurance  calculations.  The  first  method  is 
to  assume  that  many  risks  are  incurred,  trace  the  pay- 
ments which  would  arise  in  consequence,  discount 
these  payments  at  interest,  and  divide  the  present  value 
among  the  number  of  risks  assumed.  The  other  plan 
is  to  deal  with  the  probability  that  an  event  will  happen, 
and  multiply  it  by  the  sum  involved,  discounting  the 
amount  at  interest  to  the  date  of  calculation.  The 
former  method  brings  out  very  clearly  one  of  the  great 
principles  of  life  insurance,  namely,  that  it  is  necessary 
to  have  a  reasonable  number  of  risks  whereby  an  average 
result  can  be  obtained.  It  is  impossible  to  tell  what 
may  happen  to  an  individual,  or  at  what  time  an  individ- 
ual may  die,  but  when  a  sufficient  number  of  individuals 
are  observed  together  the  results  may  be  relied  upon. 
This  does  not  mean  that  it  is  necessary  to  have  an 
average  number  of  risks  for  each  age,  for  each  kind,  or 
for  each  occupation.  It  is  sufficient  that  when  all  Life 
Contingencies  undertaken  by  a  company  are  grouped, 
the  aggregate  should  be  sufficient  to  form  a  general 
average.  A  company  may  therefore  assume  a  risk  on 
a  single  life  proceeding  to  the  tropics  if  an  adequate 
premium  be  paid,  because  this  risk  is  classified  with  the 
general  average  mortality  of  the  company. 

While  the  term  contract  for  one  year  as  above  illus- 
trated is  one  of  the  simplest  obligations  discussed  in 
Actuarial  Science,  it  is  not  one  of  the  most  frequent. 
Probably  the  most  common  form  of  life  insurance 
involves  an  obligation  to  pay  a  sum  of  money  at  the 
death  of  a  specified  person  at  whatever  time  such  death 
may  take  place.  If  a  company  were  to  enter  into 
100,000  such  obligations  (commonly  known  as  whole  life, 
or  ordinary  life  insurance)  at  age  10,  then  by  examining 
the  column  showing  the  numbers  dying,  we  can  ascertain 
how  many  claim's  would  arise  each  year  and  how  much 
the  company  would  have  to  pay  out  annually.  Accord- 
ing to  the  tabular  experience  there  would  be  749  deaths 
in  the  first  year,  746  in  the  second,  743  in  the  third, 
and  so  forth.  The  present  value  of  all  the  claims  which 
would  arise  through  these  deaths  can  be  easily  found 
by  discounting  the  payment  at  interest  for  1,  2,  .3,  etc. 
years.     The    average    obligation    by    the    company   for 


48  Principles  and  Practice 


each  individual  is  therefore  the  sum  of  all  these  pay- 
ments divided  by  100,000,  and  this  represents  the  single 
premium  for  a  whole  life  insurance  at  age  10.  If  the 
sum  insured  in  each  case  were  $1,000  and  the  rate  of 
interest  3^  per  cent,  the  entire  present  value  of  the  total 
sums  payable  would  be  the  series 

$749,000     746,000     743>ooo  t    etc 
1.035        (i-035)2     (i-°35)3     ' 
and  the  average  value,  or  single  premium  for  whole  life 
insurance  at  age  10,  the  sum  of  the  series  divided  by 
100,000. 

To  make  a  calculation  of  the  above  nature  in  an 
individual  case  would  be  a  laborious  process,  and 
simpler  methods  have  been  invented  Algebraically 
the  situation  may  be  represented  as  follows,  wherein 
Ax  represents  the  single  premium  for  the  insurance  of 
1  at  age  x: 

vdx  +  v2dT+l  +v3dx+2+ 


A,  =  - 


L 


This  formula  is  not  simpler  than  the  arithmetical 
process  already  explained;  indeed  it  is  the  same  thing> 
expressed  symbolically.  Moreover,  if  the  single  pre- 
mium were  desired  at  age  x  4-  1 ,  the  values  in  the  above 
table  would  be  of  no  service,  because  the  formula  at 
age  x+i  would  be 


A-x+i  — 


vdx+l  +  tfdx+2  +  v3dx+3  + ,  etc 


each  term  in  the  latter  expression  being  different  from 
the  corresponding  term  in  the  former.  These  two 
formulas  can  be  brought  into  comparative  harmony  by 
a  very  simple  device,  it  being  remembered  that  a  fraction 
remains  unchanged  in  value  if  the  numerator  and 
denominator  be  multiplied  by  the  same  quantity.  If 
the  numerator  and  denominator  of  the  first  expression 
be  multiplied  by  vx,  and  those  of  the  second  expression 
by  i^+1,  we  have  the  formulas  as  follows: 

•v*+ldx  +  v*+*dx+l+v*+*dx+2  + ,  etc. 
Ax-  -^—  -and 

.  vx+2dx+l+vx+3dx+2  + ,  etc. 

Ax+1—  vX+%^ 

It  will  now  be  observed  that  the  first  numerator  contains 
all  the  values  given  in  the  second,  with  the  addition  of 
one  more .  Accordingly,  if  a  calculation  of  the  numera- 
tor were  made  for  the  youngest  tabular  age,  all  other 
values  could  be  obtained  therefrom  by  an  easy  process . 


Of  Life  Insurance. 


49 


But  the  formulas  have  been  still  further  simplified 
as  follows:  If  vx+1dx  be  represented  by  C^,  vx+2dx+l  by 
Cx+1,  and  vx+n+1dx+n  generally  by  Cx+n;  and  further 
if  vxlx  be  written  as  Dx,  then  we  have  the  formula  for 
the  single  premium  as  follows: 

.    _Ca  +  Ca+1  +  Ca+2,+  ,etc. 

A* ~ 


If  the  values  of  C  be  summed  continuously,  that  is, 
add  the  second  last  value  to  the  last,  the  third  last 
value  to  the  sum  of  these  two,  the  fourth  last  to  the 
sum  of  the  three,  etc.,  then  we  have  a  column  (written 
IVI*)  which  gives  opposite  any  age  the  sum  of  the  values 
of  C  from  that  age  upwards,  and  the  expression  for  a 
single  premium  at  age  x  may  now  be  written  in  a  very 
simple  form,  namely, 

The  mode  of  construction  of  such  Commutation  Columns, 
as  they  are  called,  will  be  better  understood  by  an 
example.  The  following  shows  the  construction  of  such 
columns  for  the  last  few  years  of  the  American  Experi- 
ence Table,  ages  85  to  95,  inclusive — 3^  per  cent  interest. 
To  complete  the  table  the  same  process  must  be  applied 
down  to  the  youngest  age: 


Present 

Sum  op 

Sum  of 

AGE 

No. 
Living 

No. 
Dying 

Value  of  1, 
3i% 

vx+lXdx 

c* 

M, 

X 

h 

dx 

vx+l 

c* 

Wx 

R* 

85 

5,485 

1,292 

.051896 

67.0494 

263 .9067 

826.1330 

86 

4,193 

1,114 

.050141 

558567 

196.8573 

562.2263 

87 

3,079 

933 

.048445 

45- 1993 

141 .0006 

3653690 

88 

2,146 

744 

. 046807 

34.8244 

958013 

224.3684 

89 

1,402 

555 

.045224 

250993 

60. 9769 

128. 5671 

90 

847 

385 

•043695 

16.8225 

358776 

67.5902 

9i 

462 

246 

.042217 

10.3854 

19-0551 

31.7126 

92 

2l6 

137 

.040789 

5-588i 

8.6697 

12.6575 

93 

79 

58 

.0394IO 

2.2858 

3.0816 

3.9878 

94 

21 

18 

.038077 

.6854 

•  7958 

.9062 

95 

3 

3 

.036790 

.  1 104 

.  1 104 

.1104 

The  above  figures  would  have  been  more  accurate  according  to 
the  book  values  if  one  or  two  further  decimal  places  had  been 
used. 


Accordingly, 


50  Principles  and  Practice 

The  final  column  in  the  above  table  Rx  is  derived  from 
Mx  in  the  same  way  in  which  Mx  is  obtained  from  Cx. 
We  therefore  have  the  following  relationships  between 
the  three  columns: 

Cx  =  <z/*+1<*x 

i«-C«+CJMtt+,etc. 

Mx+i  =  Cx+1  +  Cx+2  + ,  etc . 

ft*  =  Mx  4-  Mz+1  + ,  etc . 

"*  =  »*x  +  "»z+i  "I"  "»x+2 

=  Cx  +  Cx+1  +  Cx+2  +  ,etc. 
+  Cx+1  +  Cx+2  +  ,etc. 
+  Cx+2  +  ,etc. 
+,etc.  _ 

=  Cx  +  2Cx+1  +  3Cx+2  +  ,etc. 
Remembering  that  Cx  enables  us  to  provide  the  sum 
insured  to  those  who  die  between  ages  x  and  x+i, 
Cx+1  the  sum  insured  at  death  between  ages  x  + 1  and 
x+2,  and  so  forth,  the  last  equation  shows  that  Rx 
enables  us  to  find  the  present  value  of  an  insurance 
obligation  where  the  sum  insured  the  first  year  is  1, 
the  second  year  2,  the  third  year  3,  and  so  forth,  in- 
creasing by   1   each  year.     The  sum  insured  therefore 

increases  in  arithmetical  progression  when  the  expression 

p 

n-  is  involved. 

"z 

The  device  above  explained  produces  what  are  known 
as  Commutation  Columns.  The  name  was  obtained 
from  the  fact  that  they  are  suitable  for  commuting  or 
interchanging  values  at  one  age  to  .values  at  another 
The  columns  Cx,  Mx  and  Rx  are  commonly  spoken  of  as 
Insurance  Columns,  while  the  columns  Dx  and  Nx  (here- 
after explained)  are  known  as  Annuity  Columns. 

It  has  already  been  explained  that  a  life  annuity  is 
a  payment  due  periodically  so  long  as  a  person  may 
survive.  The  best  means  of  investigating  the  annuity 
is  by  assuming  that  a  large  number  of  annuities  are  all 
granted  at  one  age.  The  simplest  arithmetical  case 
would  be  that  of  100,000  annuities  of  $1  each  being 
issued  at  age  10.  Then  by  the  American  Experi- 
ence Table  we  find  that  99,251  persons  would  survive 
one  year,  therefore  $99,251  would  be  required  to  pay 
$1  to  each  of  the  survivors;  in  like  manner,  $98,505 
would  be  required  to  pay  the  annuities  at  the  end  of 
the  second  year,  and  so  on,  the  amount  payable  in  each 
year  decreasing  by  the  amount  represented  by  the 
deaths  of  the  year.     The  present  values  of  these  pay- 


Of  Life  Insurance.  51 

ments  would  be  the  several  amounts  discounted  at 
interest;  if  this  present  value  were  divided  equally 
amongst  the  100,000  alive  at  age  10,  we  should  have  the 
value  of  an  annuity  of  $1  to  each  person  of  age  10. 
At  3 J  per  cent  interest  this  value  is  22.2245  (see  Pa&e 
180)  which  includes  a  payment  of  $1  at  the  date  of 
purchase . 

Algebraically  the  above  may  be  expressed  as  follows, 
wherein  ax  represents  an  annuity  of  1  to  a  person  aged 
x,  the  first  payment  of  the  annuity  to  be  made  at  the  end 
of  one  year  from  the  date  of  purchase: 

_  vlx+1  +  v2lx+7  +  v%+3  +    etc . 

If  the  numerator  and  denominator  of  the  above  fraction 
were  multiplied  by  vx,  we  should  have  an  expression 
in  a  form  suitable  for  the  use  of  commutation  symbols : 

=  VX+llx+1  +  VX+%+2  +     etC  . 

It  will  be  observed  that  the  equation  may  now  be 
written  in  the  series: 

_  Pg+1  +  Dg+2  +  P*+3+      ^C. 

d; 

If  the  column  D  be  summed  consecutively  from  the 
oldest  age  in  the  table,  in  the  same  way  as  was  fully 
explained  in  regard  to  column  C,  and  the  result  be 
written  in  another  column  called  column  N,  we  shall 
have  a  very  simple  expression  for  the  annuity,  namely, 

x      D*  ' 

Another  column  may  be  formed  from  that  01  Nx  by 
summing  it  continuously.  This  is  usually  called  Sz, 
and  it  affords  the  means  of  calculating  premiums  which 
increase  or  decrease  in  regular  progression.  The 
practical  utility  of  such- column  is  comparatively  slight, 
and  therefore  it  is  not  given  in  the  following  work. 

When  annuities  are  being  dealt  in,  the  form  most 
generally  used  is  that  above  given ;  but  in  life  insurance 
transactions  the  most  frequent  annuity  value  is  that 
which  is  required  in  computing  and  valuing  annual 
premiums.  The  annual  premium  is  an  annuity  pay- 
able by  the  policyholder;  and  the  first  payment  is  due 
at  once — not  at  the  end  of  a  year.  The  second  pay- 
ment is  due  at  the  end  of  the  first  year;  or,  what  is  the 
same  thing,  at  the  beginning  of  the  second  year.  An 
annuity  of  this  nature  involves  the  same  number  of 
payments,  with  the  addition  of  the  first  payment  due 


Principles  and  Practice 


at  once.     This  annuity  commencing  with  a  payment 
due  at  once  is  distinguished  by  the  use  of  different  type 
for  the  letter  a,  so  that  we  have: 
ax  =  i  +  ax 

_P*,Na+1     Nx 
D*+  D,  "Dx 

The  letters  N  and  D  came  to  be  used  through  this 
formula;  they  are  the  initial  letters  of  Numerator  and 
Denominator. 

SINGLE   AND   ANNUAL   PREMIUMS. 

The  present  value  of  an  insurance  payable  at  death 
above  given,  namely  Ax,  is  known  also  as  the  net  single 
premium  for  a  Whole  Life  Policy.  If  this  sum  were 
paid  by  each  one  of  a  large  number  of  persons,  the 
accumulating  amounts  with  compound  interest  would 
be  just  sufficient  to  provide  the  sums  insured  if  the 
claims  should  coincide  with  the  mortality  table  adopted. 
In  whatever  form  the  premium  may  be  paid  to  the 
insurance  company,  the  equivalent  net  value  must 
equal  the  present  value  of  the  risk  incurred.  If  the 
consideration  be  an  annual  premium  during  the  entire 
lifetime  of  the  person  on  whose  life  the  policy  is  taken, 
the  present  value  will  be  the  value  of  the  premium 
treated  as  an  annuity  payable  by  the  policy-holder. 
The  net  annual  premium  at  age  x  is  usually  represented 
by  the  symbol  Px,  and  therefore  we  have  the  value  of 
all  premiums  at  the  date  the  first  falls  due  equal  to 
P^Xa*.  By  the  fundamental  proposition  that  the 
net  premiums  must  equal  the  risk,  this  expression 
must  have  the  same  value  as  the  risk  incurred,  or  in 
symbols :  Px  X  ax  =  Ax, 

whence     PT         =— -. 
aT 

If  the  same  sum  insured  were  provided,  but  premiums 
were  payable  during  a  limited  period  only,  r  years,  in 
which  case  the  symbol  is  rPa.,  the  annual  payment 
would  take  the  form  of  a  temporary  annuity  and  the 
equation  would  then  become 

rP x  X  ax.r|  =  Ax, 

whence  the  annual  premium  for  a  Whole  Life  Policy 
with    premiums  limited  to  r  years  is 

ax:ri 

The  equivalent  formulas  in  Commutation  Symbols 
are  given  below. 


Of  Life  Insurance.  53 

The  above  processes  enable  us  to  obtain  very  simple 
formulas  for  all  kinds  of  annuities  and  insurances  of 
which  the  following  may  be  taken  as  typical  examples: 

Single  Premiums. — 

M 

Whole  Life  Insurance : —  Ax  =  -=^ . 

**x 

Term  Insurance : —  Ai.rr •-    x~~   x+n. 

x.n\  Qx 

Deferred  Insurance : —  n,Ax  =  -i-±2 . 

Endowment  Insurance :—        A^|  =  M*  ~  M*+n  +  P*+n . 

N  N 

Whole  Life  Annuity : —  ax  =  -~ i,  and  ax  =  ~ . 

"x  Vx 

N  — N 

Temporary  Annuity  due : —    ax:^  =    *-     x±!l 

^x 

N 
Deferred  Annuity : —  v  n,ax  =  -^ . 

Annual  Premiums. — 

Whole  Life  Insurance : —  Px  =  ir*  . 


Whole    Life    by   Limited  m 

Premiums : —  rPx  = 


•**       "x+n 


Term  Insurance:—  FLri —.."—-,  ^ 


Deferred  Insurance : —  n\¥x  = 


N.-N 


™x— "  Nx+n 


Endowment  Insurance :—       P^  -  M*     M*+*  +  P*+* 

"x       "x+n 

Endowment  Insurance  by  y       m         ,  n 


Nx-Nx+r 


Deferred  Annuity,  pur- 
chased by  annual  pre- 
miums payable  during 
the    period    of     defer- 


ment:—  Pn  iaz  ^-  |j       to 


•"i+n 

4-n 


In  dealing  with  commutation  columns  there  is  some- 
times a  liability  to  error  on  account  of  two  different  ways 
of  performing  the  summation  of  the  D  column .      Several 


54  Principles  and  Practice 

writers  have  used  the  symbol  Nx  as  in  the  following 
equation : 

Nx  =  Dx  +  Dx+1  +  Dx+2  +  ,etc, 

while  others  have  used  the  same  symbol  as  follows: 

Nx  =  Dx+1  +  Dx+2  +  Dx+3  + ,  etc . 

The  first  form  is  undoubtedly  the  better,  and  it  is  the 
form  commonly  adopted  in  American  publications. 
It  has  recently  been  distinguished  by  printing  the  N  in 
heavy  type  as  has  been  done  in  the  foregoing,  or  thus,  M, 
but  a  distinguishing  feature  is  not  always  used,  and  hence 
it  is  necessary  to  use  great  care  to  ascertain  the  form  of 
summation  definitely  before  making  use  of  the  values 
printed  in  any  table.  The  values  throughout  the 
following  work  are  inserted  in  the  usual  American 
method,  whereby  Nx  represents  the  summation  from 
Dx  upward. 

Net  Values  of  Policies. 

The  most  common  obligation  of  an  old-line  company 
is  the  whole  life  policy,  which  involves  the  payment 
of  the  sum  insured  at  death,  while  the  consideration  is 
an  annual  premium  during  life  at  an  unchanging  rate. 
The  risk  of  having  to  pay  the  sum  insured  is  an  increas- 
ing quantity  as  years  roll  on,  because  the  date  when 
payment  will  be  demanded  comes  nearer  under  all  forms 
of  life  policies.  It  follows,  therefore,  that  the  premiums 
in  the  early  years  must  be  greater  than  those  required 
to  meet  the  mortality  risk  at  that  time.  If  this  were 
not  so,  the  premiums  would  have  to  increase  each  year 
with  the  increasing  risk.  Although  the  old-line  pre- 
miums exceed  the  risk  in  the  early  years,  yet  the  value 
of  them  all  taken  together  is,  on  a  net  basis,  the  exact 
equivalent  of  the  sum  insured.  It  is  therefore  necessary 
to  carry  forward  part  of  each  premium  from  the  early 
years  and  reserve  the  accumulated  amount  against  the  in- 
creased obligation  in  later  years.  It  is  to  provide  for  this 
increasing  liability  that  old-line  Life  Insurance  Companies 
find  it  necessary  to  possess  large  funds.  These  funds  do 
not  represent  profits  earned;  on  the  contrary  they  are 
liabilities  to  policyholders  under  current  contracts,  and 
consist  of  the  excess  payments  made  in  the  past,  which 
are  balanced  by  defective  payments  to  be  made  in 
future. 

As  the  accumulations  of  the  past  must  equal  the 
shortage  of  the  future,  it  is  clear  that  there  must  be  two 
ways  for  finding  the  net  values  of  policies,  (i)  by  accumu- 
lating the  surplus  of  past  premiums,  and  (2)  by  com- 


Of  Life  Insurance.  55 

puting  the  deficiency  in  future  premiums.  The  first  is 
called  the  "retrospective  method,"  and  the  second  the 
"prospective  method."  On  a  net  premium  basis  these 
two  methods  give  identical  results,  the  first  thus  proving 
the  accuracy  of  the  second. 

The  simpler  of  the  two  methods  is  the  prospective, 
which  looks  to  the  future,  and  may  be  explained  thus: 
If  a  policy  be  taken  out  by  continued  payments  at  age 
30,  the  value  of  the  sum  insured  at  the  date  of  issue  is 
the  exact  equivalent  of  the  value  of  the  future  premiums. 
This  was  the  fundamental  proposition  from  which  the 
annual  premium  was  derived.  If  we  consider  now  the 
same  policy  ten  years  later,  when  the  life  insured  is  40, 
the  value  of  the  sum  insured  has  become  greater;  the 
life  insured  is  ten  years  older  and  can  look  forward  only 
to  a  shorter  average  lifetime.  On  the  other  hand,  the 
annual  premium  he  has  to  pay  remains  the  same  from 
year  to  year.  As  he  is  now  ten  years  older,  the  average 
number  of  future  premiums  is  less.  The  value  of  the 
sum  insured  has  therefore  increased  in  the  ten  years, 
while  the  value  of  future  premiums  has  diminished; 
they  are  no  longer  equal  to  one  another.  The  difference 
between  the  increased  value  of  the  sum  insured  and  the 
decreased  value  of  the  annual  premiums  represents  the 
policy  value. 

To  illustrate  this  by  means  of  an  arithmetical  example 
on  the  basis  of  the  American  Experience  Table  at  3^ 
per  cent:  The  annual  premium  at  age  30  for  a  Whole 
Life  Policy  of  $1,000  is  $17.19  (see  page  181),  while  the 
value  of  the  sum  insured  of  $1,000  is  $337.02  being  the 
net  single  premium  as  given  on  page  180.  The  immedi- 
ate annuity  at  age  30  is  $19.6054.  This  sum  multiplied 
by  $17.19,  the  net  annual  premium,  gives  $337.02,  the 
single  premium  above  mentioned.  The  situation  at  age 
40  is  as  follows :  The  net  single  premium  has  increased 
to  $410.03 ;  the  immediate  annuity  value  has  diminished 
to  $17.4461;  the  annual  premium  remains  the  same, 
$17.19.  The  value  of  the  annual  premiums  is  therefore 
$17.19  multiplied  by  $17.4461,  or  $299.89.  The  present 
value  of  the  future  premiums  is  therefore  less  than  the 
present  value  of  the  sum  insured  by  the  difference  be- 
tween $410.03  and  $299.89,  that  is,  $110.14.  This  sum 
is  the  terminal  net  value  of  a  Whole  Life  Policy  of  $1,000 
by  equal  annual  premiums  in  the  tenth  year  taken  at 
age  30.  This  value  will  be  found  on  page  189  opposite 
age  30  under  the  column  headed  "10th  year." 

To  those  familiar  with  algebra,  the  above  process  can 
be  more  simply  expressed  as  follows :  When  a  policy  for 
the  whole  of  life  is   taken,  we  have  already  seen   that 


56  Principles  and  Practice 

the  equation  connecting  the  value  of  the  sum  insured 
with  the  value  of  the  future  premium  is: 

Ax  =  rx  X  ax . 

The  value  of  such  policy  taken  at  age  x  after  being  n 
years  in  force  is  expressed  as  nVx .  The  equation  for  the 
policy  value  after  n  years  is  the  difference  between  the 
increased  value  of  the  sum  insured  and  the  decreased 
value  of  the  premium: 

n  »  x  ™"  -t*-x+n       *x  2-x+n  • 

This  equation  is  perfectly  general;   it  applies  to  all  ages 
at  entry  and  all  durations. 

When  a  Whole  Life  Policy  is  payable  by  limited 
premiums,  the  problem  is  of  exactly  the  same  nature 
although  slightly  different  in  detail.  Under  such  a 
policy  the  annual  premium  is  payable  for  a  limited 
number  of  years  only.  It  must  therefore  be  multiplied 
by  a  temporary  annuity;  and  not  only  does  the  age  of 
the  insured  increase,  but  the  term  for  which  the  annuity 
runs  concurrently  diminishes.  The  increase  in  value  of 
the  sum  insured  is  the  same  as  in  the  case  of  an  ordinary 
life  policy,  but  the  decrease  in  the  value  of  future  pre- 
miums is  more  rapid,  and  therefore  Limited  Payment 
Policies  have  larger  policy  values  than  ordinary  life 
contracts.     The  formulas  are: 

At  issue : —  Ax  =  rPx  axn. 

After  n  years:—     „:rVx  =  Ax+n-rPx  ax+n.p^j. 

For  an  Endowment  Insurance  Policy  there  is  still 
greater  variation,  because  here  the  sum  insured  must  be 
modified  as  well  as  the  premiums,  in  consequence  of  the 
reduction  in  the  endowment  period.  The  formulas  for 
such   a   policy  are: 

At  issue: —  AxH  =  PxHXax7i. 

After  n  years: —     „Vxh  =  Ax+n:7=^j - Pxh  ax+„.;r^[- 

It  is  not  necessary  to  enter  into  detail  regarding  all 
the  different  policy  forms  which  may  exist.  One 
other  form  may  perhaps  be  given,  namely,  the  Term 
Insurance : 


n  Vxr|  —  Ax+n:r- n\  —  rXr\  a 


x+n;r— nl- 


This  is  like  an  Endowment  Insurance  in  form  but  very 
different     in     practical     result.     As     the     Endowment 


Of  Life  Insurance.  57 


Insurance  nears  maturity  the  sum  insured  must  be 
paid  on  the  expiry  of  the  period,  but  the  Term  Insur- 
ance approaches  a  time  when  it  ceases  to  exist.  The 
value  of  the  sum  insured  under  a  Term  policy  diminishes 
with  the  increase  in  the  term,  and  the  value  of  the  pre- 
miums in  like  manner  diminishes.  The  premium 
value,  however,  usually  diminishes  at  a  more  even 
rate  over  the  term  and  the  sum  insured  value  at  a 
more  rapid  rate  in  the  later  years.  The  result  is  that 
policy  values  under  a  Term  Insurance  generally  increase 
in  the  early  years,  and  then  more  rapidly  diminish  in 
the  later  years,  until  at  the  expiry  of  the  term  the  value 
becomes  zero. 

By  the  retrospective  method  of  valuation  pre- 
viously referred  to,  the  net  premiums  paid  in  the  past 
under  a  policy  which  has  been  some  years  in  force,  are 
accumulated  with  the  benefit  of  interest  and  survivor- 
ship. From  this  accumulation  there  is  deducted  the 
claims  according  to  the  table  used  during  the  period, 
accumulated  in  like  manner  with  interest  and  survivor- 
ship to  the  date  when  the  policy  value  is  being  found. 
The  difference  between  these  two  accumulated  functions 
represents  the  policy  value,  which  in  case  of  an  Ordi- 
nary Life  Policy  may  be  expressed  as  follows: 

nV*"  0x+n 

It  can  easily  be  proved  mathematically  that  the  above 
equation  is  the  exact  equivalent  of  the  equation  already 
given  by  the  prospective  method. 

Cost  of  Insurance. 

Each  net  premium  received  for  a  policy  of  life  insur- 
ance consists  of  two  portions:  (1)  One  portion  to  pay 
the  claims  which  arise  in  the  year  for  which  the  premium 
applies,  and  (2)  the  other  portion  to  adjust  the  reserve 
to  the  correct  net  policy  value.  Under  a  Term  Insur- 
ance for  one  year  a  policy  value  is  not  required  at  the 
end  of  the  year,  and  therefore  the  entire  net  premium 
with  interest  thereon,  represents  the  expected  mortality 
for  the  year.  Under  a  Whole  Life  Policy,  however, 
the  two  portions  of  the  premium  are  distinctive  quanti- 
ties. For  example,  at  the  end  of  the  first  year  the 
terminal  net  value  of  a  policy  taken  at  age  30  for  $1,000 
is  $9.45.  The  annual  premium  at  age  30  is  $17.19. 
Without  taking  into  consideration  the  fact  that  the 
premium  is  due  at  the  beginning  of  the  year,  while  the 
reserve  value  is  calculated  at  the  end  of  the  year,  we 


58  Principles  and  Practice 

can  see  at  once  from  these  figures  that  there  is  a  sum 
of  nearly  $8  thrown  free  from  the  first  year's  premium. 
The  yearly  probability  of  dying  as  given  in  the  American 
Experience  Table  of  Mortality  is  8.43  per  thousand. 
When  an  adjustment  is  made  for  the  difference  between 
the  beginning  and  the  end  of  the  year,  the  portion  of 
premium  not  required  for  reserve  is  exactly  equal  to 
the  amount  required  to  pay  the  claims  of  the  year. 
This  may  be  illustrated  as  follows: 

Annual  premium,  American  Experience,  3 J  per 

cent $17.19 

Add  interest  at  3^  per  cent  for  one  year .60 

$17-79 
Deduct  reserve  value  at  end  of  year 9-45 

Difference $8.34 

If  a  claim  arise  during  the  year,  the  sum  which  must  be 
withdrawn  from  the  mortality  fund  to  pay  that  claim  is 
not  $1,000,  but  only  $1,000  less  the  reserve  value  held 
against  the  policy.  When  a  claim  is  paid  the  liability 
for  reserve  disappears;  the  policy  value  may  therefore 
be  used  in  part  payment  of  the  claim.  In  the  above 
example  the  sum  withdrawn  from  the  mortality  fund  is 
$1,000  less  $9.45,  or  $990.55.  This  is  the  sum  for  which 
provision  must  be  made  at  the  rate  of  mortality  8.43 
per  thousand.  Multiplying  8.43  by  $990.55  and 
dividing  by  1,000  we  have  8.35.  If  the  fractions 
were  in  every  case  accurately  worked  out,  the  8.34 
given  above  would  agree  with  the  8.35  thus  computed, 
showing  that  there  is  an  exact  balance  between  the 
mortality  cost,  the  policy  value,  and  the  net  premium. 
The  term  "Cost  of  Insurance"  is  applied  to  represent 
the  mortality  cost  for  any  year  after  taking  into  con- 
sideration the  policy  value.  If  the  sum  insured  be 
represented  by  the  letter  S,  the  policy  value  be  expressed 
by  V,  and  the  rate  of  mortality  for  the  age  under  con- 
sideration be  represented  by  q,  we  have 

Cost  of  Insurance  =  <7(S  —  V). 

This  algebraic  formula  has  been  expressed  in  a  general 
way  so  as  to  apply  to  all  kinds  of  policies,  not  only 
Whole  Life  but  also  Limited  Payment  and  Endowment 
Insurance  contracts.  It  is  only  necessary  to  insert  the 
value  applicable  to  the  kind  of  policy  under  considera- 
tion. 

Taking  an  example  from  the  American   Experience 


Of  Life  Insurance. 


59 


Table  at  3  per  cent  interest,  age  30,  in  which  case  the 
symbols  have  the  following  numerical  values: 

q30  =  .008427 
S  =  $i,ooo 
iV30  =  10.49 

the  cost  of  insurance  is  therefore 

.  008427  X  (1,000—  10.49)  =    008427X989.  51 

=  8-339 

This  value  will  be  found  on  page  150. 

As  we  know  that  the  policy  values  under  Limited 
Payment  and  Endowment  Insurances  are  much  larger 
and  increase  more  rapidly  than  the  value  of  Ordinary 
Whole  Life  Policies,  it  follows  that  the  costs  of  insur- 
ance are  less  under  these  forms  because  there  is  a  larger 
sum  held  in  reserve  and  a  smaller  sum  on  which  the 
mortality  cost  is  computed.     To  illustrate  this  we  may 
work  out  the  Cost  of  Insurance  for  two  policies  each 
taken  at  age  30,  and  now  in  their  tenth  year,  the  attained 
age  being  40,  the  first  a  Whole  Life  contract,  and  the 
second  a  Twenty- Year  Endowment: 

American  Experience  3^  per  cent  g39(S  —  V) . 

Whole  Life. 

Twenty  Year 
Endowment. 

Sum  Insured 

$1,000. OO 
no.  14 

$1,000.00 

395  98 

Policy  Value,  1  oth  year 

Multiply  by  739 

Cost  of  Insurance,  10th  year, 

age  ?o  to  age  40 

$889.86 
.009586 

$604.02 
.OO9586 

$8.5303 

$5-7902 

INTEREST  TABLES 


FOR 


One  ~  Hundred  -  Years, 


AT 


2,  2%,  3,  3#,  4,  4#,  5,  6  and 
7  Per  Cent. 


62 

Principles 

and   Practice 

Table  No.  I. 

INTEREST   TABLES,    TWO   PER   CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Years. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  f/*. 

One  Dollar 
per  annum  at 

Value  of 
One  Dollar 

x  years. 

hence  =  7/». 

end  of  x  yrs. 

per  annum  for 
x  years. 

I 

I.0200 

.980392 

9.9913998 

I.0200 

.9804 

2 

I.O404 

.961169 

9.9827997 

2.0604 

I  9416 

3 

I. o6l2 

.942322 

9.9741995 

3.I2I6 

2.8839 

4 

I.0824 

•923845 

99655993 

4.2040 

3.8077 

5 

I.IO41 

.905731 

9.9569992 

5.308l 

4.7135 

6 

1. 1262 

.887971 

9.948399O 

6-4343 

5.6014 

I 

1. 1487 

.870560 

9.9397988 

7.5830 

6.4720 

I.I7I7 

.853490 

9.9311986 

8.7546 

7  3255 

9 

I.I95I 

.836755 

9.9225985 

9.9497 

8.1622 

zo 

1. 219O 

.82030 

9.9139983 

II. 1687 

8.9826 

ii 

1.2434 

.804263 

9.9053981 

12.4121 

9.7868 

12 

1.2682 

.788493 

9.8967980 

I3.6803 

10.5753 

13 

I.2936 

.773033 

9.8881977 

14-9739 

11.3484 

«4 

1. 3195 

.757875 

9.8795976 

16.2934 

12.1062 

i5 

1-3459 

.743014 

9.8709974 

17.6393 

12.8493 

16 

1.3728 

.728446 

9.8623973 

I9.0I2I 

13.5777 

\l 

I.4002 

.714163 

9.8537971 

20.4123 

14.2919 

I.4282 

.700159 

9.8451969 

21.8406 

14.9920 

19 

1.4568 

.686431 

9.8365967 

23.2974 

15.6785 

20 

I.4859 

.672971 

9.8279966 

24.7833 

16.3514 

21 

I. 5157 

.659776 

9  8193964 

26.299O 

17.0112 

22 

I.5460 

.646839 

9.8107962 

27.8450 

17.6580 

23 

1.5769 

.634156 

9.8021960 

29.4219 

18.2922 

24 

I.6084 

.621721 

9-7935959 

3L0303 

18.9139 

25 

I.6406 

.609531 

9.7849957 

32.6709 

I9.5235 

26 

1.6734 

•597579 

9- 7763955 

34-3443 

20.1210 

3 

I.7069 

.585862 

9.7677954 

36.0512 

20.7069 

I. 74IO 

•574374 

9.759I952 

37.7922 

21.2813 

29 

1-7758 

.563H2 

9.7505950 

39.5681 

21.8444 

30 

I.8114 

.552071 

9.7419948 

41-3794 

22.3965 

3i 

I.8476 

.541246 

9-7333947 

43.2270 

22.9377 

32 

I.8845 

.530633 

9.7247945 

45.III6 

23.4683 

33 

I.9222 

.520229 

9.7161943 

47.0338 

23.9886 

34 

I.9607 

.510028 

9.7075942 

48.9945 

24.4986 

35 

I.9999 

. 50OO28 

9.6989940 

50.9944 

24.9986 

36 

2.0399 

.490223 

9.6903938 

53.0343 

25.4888 

U 

2.0807 

.4806H 

96817936 

55.1149 

25.9695 

2.1223 

.471187 

9.6731934 

57.2372 

26.4406 

39 

2.1647 

.461948 

9.6645933 

59.4020 

26.9026 

40 

2.2080 

.452890 

9.6559931 

6l.6lOO 

27-3555 

41 

2.2522 

.444OIO 

9.6473929 

63.8622 

27.7995 

42 

2.2972 

.435304 

9.6387928 

66.1595 

28.2348 

43 

2.3432 

.426769 

9.6301926 

68.5027 

28  6616 

44 

2.39OI 

.4184OI 

9.6215924 

70.8927 

29.0800 

45 

2-4379 

.4IOI97 

9.6129923 

73.3306 

29.4902 

46 

2.4866 

.402154 

9.6043921 

75.8172 

29.8923 

47 

2.5363 

.394268 

9.5957920 

78.3535 

30.2866 

48 

2.5871 

.386538 

9.5871918 

80.9406 

30.6731 

49 

2.6388 

.378958 

9.5785916 

83-5794 

31-0521 

50 

2.6916 

.371528 

9.5699914 

86.27IO 

31.4236 

Of  Life  Insurance. 

63 

Table  No.  I. — Concluded. 

INTEREST  TABLES,  TWO  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  v* 

Logarithm  v*% 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

Si 

2.7454 

.364243 

9.56I39I3 

89.OI64 

31.7878 

52 

2.8003 

•357IOI 

9.55279IO 

9I.8167 

32.1450 

53 

2.8563 

.35O099 

9.5441909 

94.6731 

32.4950 

54 

2.9135 

.343234 

9.5355907 

97.5865 

32.8383 

55 

2.9717 

•336504 

9.5269905 

IOO.5583 

33.1748 

56 

3.03I2 

.329906 

9.5183904 

IO3.5894 

33.5047 

P 

3.O918 

.323437 

9.5097902 

I06.68I2 

33.8281 

.       3.1536 

.317095 

9. 50I I9OO 

IO9.8348 

34.1452 

i9o 

3.2167 

.310878 

9.4925898 

H3.05I5 

34.4561 

3.2810 

.304782 

9.4839897 

II6.3326 

34.7609 

61 

3-3467 

.298806 

9.4753895 

II9.6792 

35.0597 

62 

3.4I36 

.292947 

9.4667894 

I23.O928 

35.3526 

63 

3.4819 

.287203 

9.4581892 

126.5747 

35.6398 

64 

3.5515 

.281572 

9.449589O 

130.1262 

35.9214 

65 

3.6225 

.276051 

9.4409888 

133.7487 

36.1975 

66 

3.6950 

.270638 

9.4323887 

137.4437 

36.4681 

% 

3.7689 

.265331 

9.4237885 

141. 2125 

36.7334 

3.8443 

.260129 

9.4I5I883 

145.0568 

36.9936 

69 

3-9211 

.255028 

9.4065882 

I48.9779 

37.2486 

70 

3.9996 

.250028 

9.3979880 

152.9775 

37.4986 

7i 

4.0795 

.245125 

9.3893878 

157.0570 

37-7437 

72 

4.161I 

.240319 

9.3807876 

l6l. 2l82 

37.9841 

73 

4.2444 

.235607 

9.3721875 

165.4625 

38.2197 

74 

4.3293 

.230987 

9-3635873 

169.7918 

38.4507 

75 

4.4158 

.226458 

9.354987I 

174.2076 

38.6771 

76 

4.5042 

.222017 

9.3463869 

178.7118 

38.8991 

it 

4.5942 

.217664 

9.3377868 

183.3060 

39.1168 

4.6861 

.213396 

9.3291866 

187.9921 

39-33Q2 

11 

4.7798 

.209212 

9.3205864 

I92.772O 

39-5394 

4.8754 

.205HO 

9.3H9862 

I97.6474 

39-7445 

81 

4.9729 

.201088 

9.3033861 

202.6203 

39.9456 

82 

5.0724 

•I97I45 

9.2947859 

207.6928 

40.1427 

83 

5.1739 

.193279 

9.2861858 

212.8666 

40.3360 

84 

5.2773 

.189490 

9.2775856 

218.1439 

40.5255 

85 

5.3829 

•185774 

9.2689854 

223.5268 

40.7113 

86 

5.4905 

.182132 

9.2603852 

229.0174 

40.8934 

87 

5.6003 

.178560 

9.2517851 

234.6177 

41.0720 

88 

5.7I24 

•175059 

9.2431849 

240.3301 

41.2470 

89 

5.8266 

.171627 

9.2345847 

246.1567 

41.4187 

90 

5.9431 

.168261 

9.2259846 

252.0998 

41.5869 

91 

6.0620 

.164962 

9.2173844 

258.1618 

41.7519 

92 

6.1832     • 

.161728 

9.2087842 

264.3450 

41.9136 

93 

6.3069 

'     .158556 

9.200184I 

270.6519 

42.0722 

94 

6.4330 

.155448 

9.I9I5838 

277.0850 

42.2276 

95 

6.5617 

.152400 

9.1829837 

283.6467 

42.3800 

96 

6.6929 

.1494H 

9-I743835 

290.3396 

42.5294 

97 

6.8268 

.146482 

9-l657833 

297.1664 

42.6759 

98 

6.9633 

.  I43609 

9-I57I832 

304.1297 

42.8195 

99 

7.IO26 

.140794 

9.1485830 

311.2323 

42.9603 

100 

7.2446 

.138033 

9.1399828 

318.4769 

43.0984 

64 


Principles  and   Practice 


Table  No.  11. 

INTEREST  TABLES,  TWO  AND  ONE-HALF  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  »*. 

Logarithm  v*. 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

I 

I.O250 

.9750IO 

9.9892761 

I.O250 

.9756 

2 

I.0506 

.951814 

9.9785523 

2.O756 

I.9274 

3 

I.0769 

.928599 

9.9678284 

3.I525 

2.8560 

4 

I.  IO38 

.905951 

9.9571045 

4.2563 

3.7620 

5 

I.1314 

.883854 

9.9463807 

5.3877 

4.6458 

6 

I-I597 

.862297 

9.9356568 

6-5474 

5.508I 

I 

1. 1887 

.841265 

9.9249329 

7.7361 

6-3494 

1. 2184 

.820746 

9.9I4209I 

8.9545 

7-I70I 

9 

1.2489 

.800728 

9.9034852 

IO.2034 

7.9709 

10 

1. 2801 

.781198 

9.8927614 

H.4835 

8.7521 

ii 

1.3121 

.762144 

9.8820375 

12.7956 

9.5142 

12 

1.3449 

.743556 

9.87I3I36 

14.  I404 

IO.2578 

13 

1.3785 

.725420 

9.8605898 

I5.5I90 

IO.9832 

M 

1. 4130 

.707727 

9.8498659 

16.9319 

II.69O9 

15 

1.4483 

.690466 

9.8391420 

18.3802 

12.3814 

16 

1.4845 

.673625 

9.8284182 

I9.8647 

I30550 

\l 

1. 5216 

.657195 

9.8176943 

21.3863 

13.7122 

1-5597 

.641166 

9. 8069704 

22.9460 

14.3534 

19 

1.5987 

.625528 

9.7962465 

24-5447 

14.9789 

20 

1.6386 

.610271 

9.7855227 

26.1833 

15.5892 

21 

1.6796 

.595386 

9.7747988 

27.8629 

16.1845 

22 

1. 7216 

.580864 

9.764075O 

29.5844 

16.7654 

23 

1.7646 

.566697 

9.7533512 

3I.3490 

17-3321 

24 

1.8087 

.552875 

9.7426273 

33.1578 

I7.885O 

25 

1.8539 

•539391 

9.73IOO34 

35.0H7 

18.4244 

26 

1.9003 

.526234 

9-72II795 

36.9120 

18.9506 

s 

1.9478 

.513400 

9.7IO4556 

38.8598 

I9.464O 

1.9965 

.500878 

9.6997318 

40.8563 

I9.9649 

29 

2.0464 

.488661 

9.689OO79 

42.9027 

20.4535 

30 

2.0976 

.476743 

9.678284O 

45.OOO3 

20.9303 

3i 

2.1500 

.465114 

9.667560O 

47.I503 

21.3954 

32 

2.2038 

.453771 

9.6568363 

49-3540 

2I.8492 

33 

2.2589 

.442703 

9.6461 124 

51.6129 

22.2919 

34 

2.3153 

.431905 

9.6353886 

53.9282 

22.7238 

35 

2.3732 

.421371 

9.6246648 

56.3014 

23.1452 

36 

2.4325 

.411094 

9.6139409 

58.7339 

23.5563 

11 

2-4933 

.401067 

9.603217O 

61.2273 

23.9573 

2-5557 

•39I284 

9.592493I 

63.7830 

24.3486 

39 

2.6196 

.381741 

9.5817692 

66.4026 

24.7303 

40 

2.6851 

.372431 

9.5710454 

69.0876 

25.1028 

41 

2.7522 

.363347 

9.5603215 

71.8398 

25.4661 

42 

2.8210 

.354484 

9.5495976 

74.6608 

25.8206 

43 

2.8915 

.345839 

9.5388738 

77.5523 

26.1664 

44 

2.9638 

.337404 

9.5281499 

80.5161 

26.5038 

45 

3-0379 

.329174 

9.5174260 

83.5540 

26.8330 

46 
49 

3-H39 

.321146 

9.5067022 

86.6679 

27.I542 

3.I9I7 

.313313 

9.4959783 

89.8596 

27.4675 

3.2715 

.305671 

9.4852545 

93.1311 

27.7732 

3.3533 

.298216 

9.4745306 

96.4843 

28.0714 

50 

3-4371 

.290942 

9.4638067 

99.9215 

28.3623 

Of   Life  Insurance. 

65 

Table  No 

.  II. — Concluded. 

INTEREST  TABLES,  TWO  AND  ONE-HALF  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

jv  years. 

Years. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  vx. 

One  Dollar 
per  annum  at 

x  years. 

hence  =  vx% 

end  of  x  yrs. 

Si 

3-5230 

.283846 

9.4530829 

103.4445 

28.6462 

52 

3.6IH 

.276923 

9.4423590 

IO7.0556 

28.9231 

53 

3.7OI4 

.270169 

9.4316352 

HO.7570 

29.I932 

54 

3-7939 

.263579 

9.42091 13 

II4.5509 

29.4568 

55 

3.8888 

.257151 

9.4101874 

H8.4397 

29.7140 

56 

3.9860 

.250879 

9.3994635 

122.4257 

29.9649 

57 

4.0856 

.   .244760 

9.3887397 

I26.5II3 

30.2096 

58 

4.1878 

.238790 

9.3780158 

I3O.699I 

30.4484 

59 

4.2925 

.232966 

9.3672919 

134.9916 

30.6814 

60 

4.3998 

.227284 

9.3565681 

139.3914 

30.9087 

61 

4.5098 

.221740 

9.3453442 

I43.9OI2 

3LI304 

62 

4.6225 

.216332 

9-335I204 

148.5237 

31.3467 

63 

4-7381 

.211055 

9.3243965 

153.2618 

3I-5578 

64 

4-8565 

.205908 

9.3136726 

I58.II83 

3L7637 

65 

4.9780 

.200886 

9.3029487 

163.O963 

31.9646 

66 

5.1024 

.195986 

9.2922249 

168.I987 

32.1606 

67 

5.2300 

.191206 

9.2815010 

I73.4287 

32.3518 

68 

5-36o7 

.186542 

9.2707772 

178.7894 

32.5383 

69 

5-4947 

.181992 

9.2600533 

184.2841 

32.7203 

70 

5.6321 

.177554 

9.2493294 

189.9162 

32.8979 

7i 

5.7729 

.173223 

9.2386056 

I95.689I 

33.O7II 

72 

5-9I72 

.168998 

9.2278817 

201.6064 

33.240I 

73 

6.0652 

.164876 

9.2I7I57S 

207.6715 

33.4050 

74 

6.2168 

.160854 

9. 2064340 

213.8883 

33.5658 

75 

6.3722 

.156931 

9.I95710I 

220.2605 

33.7227 

76 

6.5315 

.153104 

9.1849S63 

226.7920 

33.8758 

S 

6.6948 

.149370 

9.1742624 

233.4868 

34.0252 

6.8622 

.145726 

9.1635385 

240.3490 

34.1709 

n 

7-0337 

.142172 

9.I528I47 

247.3827 

34.3131 

7.2096 

.138704 

9. 1420908 

254.5923 

34.4518 

81 

7.3898 

.135322 

9.I313669 

261.9821 

34.5871 

82 

7.5746 

.132021 

9.1206430 

269.5566 

34.7192 

83 

7.7639 

.128801 

9.  IO99192 

277.3206 

34.8480 

84 

7.9580 

.125659 

9.O991953 

285.2786 

34-9736 

85 

8.1570 

.122594 

9.0884714 

293-4355 

35.0962 

86 

8.3609 

.II9604 

9.0777476 

301-7964 

35.2I58 

11 

8.5699 

.II6687 

9.0670237 

3IO.3663 

35.3325 

8.7842 

.113841 

9.0562998 

3I9.I505 

35.4463 

89 

9.0038 

. I I 1064 

9.0455760 

328.1543 

35-5574 

90 

9.2289 

.IO8356 

9.0348522 

337.3831 

35.6658 

9i 

9-4596 

.105713 

9.O241282 

346.8427 

35.7715 

92 

9.6961 

•I03I34 

9.OI34044 

356.5388 

35.8746 

93 

9-9385 

.IO0619 

9.0026805 

366.4772 

35.9752 

94 

10.1869 

.098165 

8.9919567 

376.6642 

36.0734 

95 

10.4416 

.095771 

8.9812327 

387.IO58 

36.1692 

96 

10.7026 

.093434 

8.9705089 

397.8084 

36.2626 

u 

10.9702 

.091156 

8.9597851 

408.7786 

36.3538 

n. 2445 

.088933 

8.9490612 

420.0231 

36.4427 

99 

11.5256 

.086764 

8.9383374 

431.5487 

36.5295 

zoo 

11.8137 

.084647 

8.9276135 

443.3624 

36.6141 

vlBHA;^F 

OF  THE 

UNIVERSITY 


66 

Principles 

and   Practice 

Table  No.  III. 

INTEREST  TABLES,  THREE  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

Years. 

One  Dollar 
at  *nd  of 

of  ( )ne  Dollar 
due  x  years 

Logarithm  vx% 

One  Dollar 
per  annum  at 

x  years. 

hence  =  z/z. 

end  of  x  yrs. 

per  annum  for 
x  years. 

I 

I.O3OO 

.970874 

9.9871628 

I.O300 

.9709 

2 

I.0609 

.942596 

9-9743255 

2.O909 

I-9I35 

3 

I.O927 

.915142 

9.9614883 

3-I836 

2.8286 

4 

I- 1255 

.888487 

9. 94865 1 1 

4.309I 

3.7I7I 

5 

I  1593 

.862609 

9.9358139 

5.4684 

4-5797 

6 

1. 1 94 1 

.837484 

9.9229766 

6.6625 

5-4172 

I 

I.2299 

.813092 

9-9IOI394 

7.8923 

6.2303 

1.2668 

.7S9409 

9.8973022 

9-I59I 

7.OI97 

9 

I.3048 

.766417 

9.8844650 

IO.4639 

7.7861 

10 

1-3439 

.744094 

9.8716278 

II.8078 

8.5302 

ii 

1.3842 

.722421 

9.8587906 

I3.I920 

9.2526 

12 

1.4258 

.7013S0 

9-8459533 

I4.6178 

9.9540 

13 

1.4685 

.680951 

9.8331161 

16.0863 

IO.6350 

14 

1. 5126 

.661118 

9.8202789 

17.5989 

II. 2961 

IS 

1.5580 

.641862 

9.8074416 

19-1569 

II.9379 

16 

1.6047 

.623167 

'9.7946044 

20.7616 

12.56H 

17 

1.6528 

.605016 

9.7817672 

22.4144 

I3.1661 

18 

1.7024 

.587395 

9.7689299 

24.U69 

13-7535 

19 

1-7535 

.570286 

9.7560927 

25.8704 

14.3238 

14.8775 

20 

1. 8061 

.553676 

9-7432555 

27.6765 

21 

1.8603 

•537549 

9.7304183 

29.5368 

15.4150 

22 

1.9161 

.521893 

9-7I758II 

31.4529 

15.9369 

23 

1.9736 

. 506692 

9.7047438 

33.4265 

16.4436 

24 

2.0328 

.491934 

9.6919066 

35-4593 

16.9355 

25 

2.0938 

.477606 

9.6790694 

37.5530 

I7-4I3I 

26 

2.1566 

.463695 

9.6662321 

39.7096 

17.8768 

27 

2.2213 

.450189 

9-6533949 

41.9309 

18.3270 

28 

2.2879 

.437077 

9.6405577 

44.2189 

18.7641 

29 

2.3566 

.424346 

9.6277205 

46.5754 

19.1885 

30 

2.4273 

.411987 

9.6148833 

49.0027 

19.6004 

31 

2.5001 

.399987 

9.6020460 

51.5028 

20.0004 

32 

2-5751 

.388337 

9.5892089 

54.0778 

20.3888 

33 

2.6523 

.377026 

9.5763716 

56.7302 

20.7658 

34 

2.7319 

.366045 

9-5635343 

59.4621 

21.1318 

35 

2.8139 

.355383 

9.550697I 

62.2759 

21.4872 

36 

2.89S3 

.345032 

9-537S599 

65.1742 

21.8323 

37 

2.9852 

.334983 

9.5250227 

68. 1594 

22.1672 

38 

3-0748 

.325226 

9-5121854 

71.2342 

22.4925 

39 

3.1670 

.315754 

9.4993483 

74.4013 

22.8082 

40 

3.2620 

.306557 

9.4865110 

77-6633 

23.1148 

41 

3-3599 

.29762S 

9-4736738 

81.0232 

23.4124 

42 

3.4607 

.288959 

9.4608365 

84.4839 

23.7014 

43 

3-5645 

.280543 

9.4479994 

88.0484 

23.9819 

44 

3-67I5 

.272372 

9.4351621 

91.7199 

24.2543 

45 

3.7S16 

.264439 

9.4223248 

95-50I5 

24.5187 

46 

3.8950 

.256737 

9.4094876 

99- 3965 

24-7754 

47 

4.0119 

.249259 

9.3966504 

103.4084 

25.0247 

48 

4- 1323 

.241999 

9.3838132 

107.5406 

25.2667 

49 

4.2562 

.234950 

9-3709759 

1 1 1. 7969 

25.5017 

50 

4.3839 

.228107 

9.3581388 

1 16. 1 808 

25.7298 

Of  Life: 

Insurance. 

67 

J 

Table  No. 

III. — Concluded. 

INTEREST  TABLES,  THREE  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

X  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  w*# 

Logarithm  vxm 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

51 

4-5154 

.221463 

9.34530I5 

I2O.6962 

25.9512 

52 

4.6509 

.215013 

9.3324644 

125.3471 

26.1662 

53 

4.7904 

.208750 

9.3196271 

130.1375 

26.3750 

54 

4-9341 

.202670 

9.3067899 

135.0716 

26.5777 

55 

5.0821 

.196767 

9.2939527 

I4O.I538 

26.7744 

56 

5-2346 

.I9IO36 

9.28IH54 

145,3884 

26.9655 

57 

5-39!7 

.185472 

9.2682782 

150.7800 

27.1509 

58 

5-5534 

.180070 

9.2554410 

156.3334 

27.3310 

59 

5.7200 

.174825 

9.2426037 

162.0534 

27.5058 

60 

5.8916 

.169733 

9.2297665 

167.9450 

27.6756 

61 

6.0684 

.164789 

9.2169293 

I74.OI34 

27.8404 

62 

6.2504 

.159990 

9.2040920 

180.2638 

28.OOO3 

63 

6-4379 

.155330 

9.I9I2548 

186.7017 

28.1557 

64 

6.6311 

.150806 

9.I784I76 

I93-3328 

28.3065 

65 

6.8300 

.146413 

9.1655804 

200.I627 

28.4529 

66 

7.0349 

.142149 

9.1527432 

207.I976 

28.5950 

67 

7-2459 

.138009 

9.1399059 

214-4435 

28.7330 

68 

7-4633 

.133989 

9.1270687 

221.9069 

28.8670 

69 

7.6872 

.130086 

9.II42315 

229.594I 

28.9971 

70 

7.9178 

.126297 

9.IOI3943 

237-5II9 

29.1234 

7i 

8.1554 

.122619 

9.088557I 

245.6672 

29.2460 

72 

8.4000 

.II9047 

9.0757198 

254.0673 

29.3651 

73 

8.6520 

.115580 

9.0628826 

262.7193 

29.4807 

74 

8.9116 

.112214 

9.0500454 

271.6309 

29.5929 

75 

9.1789 

.  IO8945 

9.0372081 

280.8098 

29.7018 

76 

9-4543 

.IO5772 

9.0243709 

29O.264I 

29.8076 

77 

9-7379 

.IO269I 

9-OII5337 

300.0020 

29.9103 

78 

10.0301 

.099700 

8.9986965 

3IO.O32I 

3O.OIOO 

g 

10.3310 

.096796 

8.9858592 

320.3630 

30.  IO68 

10.6409 

.093977 

8.9730221 

33I.OO39 

30. 2008 

81 

10.9601 

.091240 

8.9601848 

34I.964O 

30.2920 

82 

11.2889 

.088582 

8.9473476 

353-2529 

30.3806 

83 

11.6276 

.086002 

8.9345104 

364.8805 

30.4666 

84 

11.9764 

.083497 

8.9216731 

376.8570 

30.550I 

85 

12.3357 

.081065 

8.9088359 

389.I927 

30.6312 

86 

12.7058 

.078704 

8.8959987 

40I.8984 

30.7099 

87 

13.0870 

.076412 

8.8831615 

414.9854 

30.7863 

88 

13.4796 

.074186 

8.8703243 

428.4650 

30.8605 

89 

13.8839 

.072026 

8.8574870 

442.3489 

30.9325 

90 

14.3005 

.069928 

8.8446498 

456.6494 

31.OO24 

9i 

14.7295 

.067891 

8.8318125 

47I-3789 

31.0703 

92 

15.1714 

.065914 

8.8189753 

486.5502 

31.1362 

93 

15.6265 

.063994 

8.8061381 

502.1767 

31.2002 

94 

16.0953 

.062130 

8.7933009 

518.2720 

31.2623 

95 

16.5782 

.060320 

8.7804636 

534.8502 

31.3227 

96 

I7.0755 

.058563  , 

8.7676264 

55I-9257 

31.3812 

97 

17.5878 

.056858 

8.7547892 

569.5135 

3I-438I 

98 

18.1154 

.055202 

8.7419520 

587.6289 

31-4933 

99 

18.6589 

.053594 

8.7291148 

606.2877 

31.5469 

100 

19.2186 

.052033 

8.7162776 

625.5063 

3I-5989 

68 

Principi.ks 

and   Practice 

Table  No.  IV. 

INTEREST  TABLES,  THREE  AND  ONE-HALF  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Ybars. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  v*. 

One  Dollar 
per  annum  at 

Value  of 
One  Dollar 

x  years. 

hence  =  »•, 

end  of  x  yrs. 

per  annum  for 
x  years. 

i 

I.O350 

.966164 

9.9850596 

I.O350 

.9662 

2 

1. 0712 

.933511 

9.970I 193 

2.I062 

I.8997 

3 

1. 1087 

.9OI943 

9.9551789 

3-2149 

2.80I6 

4 

I- M75 

.871442 

9.9402386 

4.3625 

3.673I 

5 

1. 1877 

.841973 

9.9252982 

5.5502 

4.5*51 

6 

I.2293 

.813501 

9.9IO3579 

6.7794 

5.3286 

I 

I.2723 

.785991 

9.8954175 

8.0517 

6.II45 

1. 3168 

.759412 

9.8804772 

9.3685 

6.8740 

9 

I.3629 

.733731 

9.8655369 

IO.7314 

7.6077 

10 

1. 4106 

.708919 

9.8505965 

12.1420 

8.3166 

ii 

I.4600 

.684946 

9.8356562 

13.6020 

9.OOI6 

12 

1.5m 

.661783 

9.8207158 

15-II30 

9.6633 

13 

I.5640 

.639404 

9-8057754 

16.6770 

IO.3027 

14 

I.6187 

.617782 

9.7908351 

18.2957 

IO.9205 

*5 

1.6753 

.596891 

9.7758948 

I9.9710 

II- 5174 

16 

I.7340 

.576706 

9.7609544 

21.7050 

12.0941 

II 

1-7947 

.557204 

9.7460140 

23-4997 

12.6513 

1.8575 

.538361 

9-73I0737 

25.3572 

13.1897 

19 

I.9225 

.520156 

9.7161334 

27.2797 

13.7098 

20 

I.9898 

.502566 

9. 70I I930 

29.2695 

I4.2124 

21 

2.0594 

.485571 

9.6862526 

31.3289 

I4.6980 

22 

2.1315 

.469151 

9-67I3I23 

33.4604 

I5.I67I 

23 

2.206l 

.453286 

9.6563719 

35.6665 

I5.6204 

24 

2.2833 

•437957 

9.6414316 

37-9499 

16.0584 

25 

2.3632 

.423147 

9.6264912 

40.3131 

16.4815 

26 

2.4460 

.408838 

9.6115509 

42.7591 

16.8904 

3 

2.5316 

•3950I2 

9.5966106 

45-2906 

I7.2854 

2.6202 

.381654 

9,5816702 

47.9108 

17.6670 

29 

2  7119 

.368748 

9.5667298 

50.6227 

18.0358 

30 

2.8068 

.356278 

9-55I7895 

53.4295 

18.3920 

3i 

2.9O5O 

.344230 

9.536849I 

56.3345 

18.7363 

32 

3.OO67 

.332590 

9.5219088 

59.3412 

I9.0689 

33 

3.III9 

.321343 

9.5069685 

62.4532 

I9.3902 

34 

3.2209 

.310476 

9.4920281 

65.6740 

I9.7007 

35 

"Mi 

.299977 

9.4770877 

69.0076 

20.0007 

36 

.289833 

9.4621474 

72.4579 

20.2905 

11 

3-57IO 

.280032 

9.4472071 

76.0289 

20.5705 

3.6960 

.270562 

9.4322667 

79.7249 

20.84II 

39 

3-8254 

.261413 

9.4173264 

83.5503 

21.1025 

40 

3.9593 

.252572 

9.4023860 

87-5095 

21.3551 

4i 

4.0978 

.244031 

9.3874456 

91.6074 

21.5991 

42 

4- 2413 

.235779 

9-3725053 

95.8486 

21.8349 

43 

43897 

.227806 

9-3575650 

100.2383 

22.0627 

44 

4-5433 

.220102 

9.3426246 

104.7817 

22.2828 

45 

4.7024 

.212659 

9.3276842 

109.4840 

22.4955 

46 

4.8669 

.205468 

9.3127439 

H4-35IO 

22.7009 

s 

5-0373 

.I98520 

9.2978036 

119.3883 

22.8994 

5.2136 

.I91806 

9.2828632 

124.6018 

23.0912 

49 

5.3961 

.185320 

9.2679229 

129.9979 

23.2766 

50 

5.5849 

.179053 

9-2529825 

135.5828 

234556 

Of  Liff   Insurance. 

69 

Table  No 

IV.  —Concluded. 

INTEREST  TABLES.  THREE  AND  ONE-HALF  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  7/*, 

Logarithm  v"t 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

51 

5.7804 

.172998 

9.2380422 

I4I.3632 

23.6286 

52 

5-9827 

.167148 

9  2231018 

147-3459 

23.7958 

53 

6.I921 

.161496 

9.2081615 

153  538i 

23-9573 

54 

6.4088 

.156035 

9  I9322H 

159.9469 

24  1 133 

55 

6.633I 

.150758 

9.1782808 

166.5800 

24  2641 

56 

6.8653 

.145660 

9.1633404 

173.4453 

24.4097 

57 

7- 1056 

.I40734 

9.I484OOO 

180.5509 

24.5504 

58 

7-3543 

.135975 

9-1334597 

187.9052 

24.6864 

§9 

7.6117 

.131377 

9.1185193 

195.5169 

24.8178 

60 

7.8781 

.126934 

9  I03579I 

203.3950 

24.9447 

61 

8.1538 

.122642 

9.0886386 

211.5488 

25  0674 

62 

8.4392 

.H8495 

9.0736983 

219.9880 

25.1859 

63 

8.7346 

.II4457 

9.0587580 

228.7226 

25.3004 

64 

9.0403 

.1  IO616 

9.0438175 

2377629 

25.4IIO 

65 

93567 

.106875 

9.0288772 

247.1196 

25.5178 

66 

Q.6842 

.IO3261 

9.0139369 

256.8038 

25.6211 

67 

10.0231 

•O99769 

8.9989966 

266.8269 

25.7209 

68 

10.3739 

.096395 

8.9840562 

277.2008 

25-8I73 

69 

10.7370 

.093136 

8.9691159 

287.9379 

25.9IO4 

70 

11.1128 

.089986 

8.9541755 

2990507 

26.OOO4 

7i 

11. 5018 

.o86q43 

8.9392352 

310.5525 

26.0873 

72 

11.9043 

.084003 

8.9242948 

322.4568 

26.1713 

73 

12.3210 

.081162 

8.9093544 

334.7778 

26  2525 

74 

12.7522 

.078418 

8.8944141 

347.5300 

26.3309 

75 

13.1986 

". 075766 

8.8794738 

360.7286 

26.4067 

76 

13.6605 

.073204 

8.8645334 

374.3891 

26.4799 

77 

14.1386 

.070728 

8.8495930 

388.5277 

26.5506 

78 

14.6335 

.068337 

88346527 

403.1611 

26.6190 

I9 

15.1456 

.066026 

8.8197124 

418.3068 

26.6850 

80 

I5-6757 

•063793 

8.8047720 

433  9825 

26.7488 

81 

16.2244 

.061636 

8.7898317 

450.2069 

26.8104 

82 

16.7922 

•059551 

8.7748914 

466.9992 

26.8700 

83 

17  3800 

.057538 

8.7599510 

484.3791 

26.9275 

®4 

17-9883 

.055592 

8.7450107 

502.3674 

26.9831 

85 

18.6179 

.053712 

8.7300702 

520.9853 

27.0368 

86 

192695 

.051896 

8.7151300 

540.2547 

27.0887 

IS 

19-9439 

.050141 

8.7001895 

560.1987 

27.1388 

20.6420 

.048445 

8.6852493 

580.8406 

27.1873 

89 

21.3644 

.046807 

8.6703088 

602.2050 

27.2341 

90 

22.1122 

.045224 

8.6553685 

624.3172 

27.2793 

9i 

22.8861 

.043695 

8.6404281 

647.2033 

27.3230 

92 

23.6871 

.042217 

8.6254878 

670.89'>4 

27  3652 

93 

24  5162 

.040789 

8.6105474 

695.4066 

27.4060 

94 

25-3742 

.039410 

8.5956071 

720.7808 

27-4454 

95 

26.2623 

.038077 

8.5006667 

747.0431 

274835 

96 

27.1815 

.0367QO 

8.5657264 

774.2247 

27.5203 

97 

28.1329 

.035546 

8.  s  50786 1 

802.3575 

27-5558 

98 

29.1175 

.034344 

8.5358457 

831  4750 

27.5902 

99 

30.1366 

.033182 

8.5209053 

861. 6117 

27.6234 

100 

31.1914 

.032060 

8  5059650 

892.8031 

27.6554 

7o 

Principles 

and  Practice 

Table  No.  V. 

INTEREST  TABLES,  FOUR  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Years. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  v,x 

One  Dollar 
per  annum  at 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

x  years. 

hence  =  »*# 

1 

end  of  x  yrs. 

I 

I.O4OG 

.961538 

9.9829667 

I.O4OO 

.9615 

2 

1. 0816 

.924556 

9-9659333 

2.I2I6 

1. 886l 

3 

1. 1249 

.888996 

9.9489OOO 

3.2465 

2-7751 

4 

1. 1699 

.854804 

9.9318666 

4.4163 

3.6299 

5 

1. 2167 

.821927 

9.9148333 

5.6330 

4.4518 

6 

I.2653 

.790315 

9.8978000 

6.8983 

5.2421 

I 

I-3I59 

.759918 

9.8807667 

8.2142 

6.002I 

I.3686 

.730690 

9-8637333 

9.5828, 

6.7327 

9 

1-4233 

.702587 

9.84670OO 

II.  006l 

7-4353 

10 

I.4802 

.675564 

9.8296666 

12.4864 

•     8. 1 109 

IX 

1-5395 

.649581 

9.8126332 

I4.O258 

8.7605 

12 

1. 6010 

.624597 

9-7955999 

15.6268 

9-335I 

13 

1. 6651 

.600574 

9.7785666 

I7.2919 

9.9856— 

i4 

IT73I7 

•577475 

9.7615332 

I9.0236 

IO.563I  , 

15 

1.8009 

.555265 

9.7444999 

20.8245 

II.II84 

16 

1.8730 

•533908 

9.7274666 

22.6975 

II.6523 

\l 

1-9479 

.513373 

9.7104332 

24.6454 

I2.I657 

2.0258 

.493628 

9.6933998 

26.6712 

12.6593 

19 

2. 1068 

.474642 

9.6763665 

28.7781 

13-1339 

20 

2.1911 

•456387 

9-6593332 

30.9692 

I3.5903 

21 

2.2788 

.438834 

9.6422999 

33.2480 

I4.0292    - 

22 

2.3699 

•421955 

9.6252666 

35.6179 

I4-45II 

23 

2.4647 

.405726 

9.6082332  ' 

38.0826 

I4.8568 

24 

2.5633 

.390121 

9. 591 1998 

40.6459 

I5.2470 

25 

2.6658 

•375II7 

9.5741665 

'  43.3117 

15.6221 

26 

2.7725 

.360689 

9-557I332 

46.0842 

15.9828 

27 

2.8834 

.346017 

9. 5400998 

48.9676 

I6.3296 

28 

2.9987    • 

•333477 

9.5230665 

51.9663 

16.663I.-- 

29 

3.1187 

.320651 

9. 5060331 

55.0849 

I6.9837 

30 

3-2434 

.308319 

9.4889998 

58.3283 

I7.2920 

3i 

3-3731 

. 296460 

9.4719665 

61.7015 

17.5885 

32 

3.5081 

.285058 

9-4549331 

65.2095 

17.8736 

33 

3-6484 

.274094 

9.4378998 

68.8579 

I8.I476 

34 

3-7943 

.263552 

9.4208664 

72.6522 

I8.4II2 

35 

3.9461 

.253415 

9.4038331 

76.5983 

I8.6646 

36 

4.1039 

.243669 

9.3867998 

80.7022 

I8.9083 

37 

4.2681 

.234297 

9.3697665 

84.9703 

I9.I426 

38 

4-4338 

.225285 

9-352733I 

89.409I 

I9.3679 

39 

4.6164 

.216621 

9.3356998 

94-0255 

I9-5845 

40 

4.8010 

.208289 

9.3186664 

98.8265 

19.7928    . 

4i 

4-9931 

.200278 

9.3016331 

IO3.8196 

19.9931 

42 

5.1928 

.192575 

9.2845997 

IO9.OI24 

2O.I856 

43 

54005 

.185168 

9.2675664 

II4. 4129 

20.3708 

44 

5.6165 

.178046 

9-2505331 

120.0294 

20.5488 

45 

1 5.8412 

.171198 

9.2334997 

125.8706 

20.7200 

46 

6.0748 

.164614 

9.2164664 

131-9454 

20.8847 

% 

6.3178 

.158283 

9-I99433I 

138.2632 

21.0429 

6.5705 

.152195 

9.1823997 

144.8337 

2X.I95I 

49 

6.8333 

.146341 

9.1653664 

151. 6671 

21.3415 

50 

7.1067 

.140713 

9.1483330 

158.7738 

21.4822 

1 

Of  Liff  Insurance. 

71 

Table  No 

V. — Concluded 

INTEREST  TABLES,  FOUR  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

f  One  Dollar 
due  x  years 
hence  =  v*. 

Logarithm  vxm 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

51 

7-39IO 

.135301 

9.1312997 

166.1647 

2I.6I75 

52 

7.6866 

.130097 

9.1142663 

I73.8513 

21.7476 

53 

7.994I 

.125093 

9.0972330 

lSl.8454 

21.8727 

54 

8,3138 

.120282 

9.0801996 

I9O.1592 

21.9930 

55 

8  6464 

.115656 

9.0631663 

198.8055 

22.I086 

56 

8.9922 

.111207 

9.0461330 

207.7978 

22.2198 

57 

9-3519 

.i 06930 

9.0290997 

217.1497 

22.3267 

58 

9.7260 

.102817 

9.0120663 

226.8757 

22.4296 

59 

10.1150 

.098863 

8.9950330 

236.9907 

22.5284 

.    60 

10.5196 

'  .095060 

8.9779996 

247.5103 

22.6235 

61 

10.9404 

.091404 

8.9609663 

258.4507 

22.7149 

62 

11.3780 

.087889 

8.9439329 

269.8288 

22.8028 

63 

11.8332 

.084508 

8.9268996 

281.6619 

22.8873 

64 

12.3065 

.081258 

8.9098663 

293.9684 

22.9685 

65 

12.7987 

.078133 

8.8928329 

306.7671 

23.0467 

66 

13.3107 

.075128 

8.S757996 

320  0778 

23.1218 

& 

13  8431 

.072238 

8.8587662 

333.9209 

23.1940 

68 

14.3968 

.069460 

8.8417329 

348.3177 

23.2635 

69 

14.9727 

.066788 

8.8246996 

363.2905 

23.3303 

70 

I5-3716 

.064219 

8.8076662 

378.8621 

23-3945 

7i 

16.1945 

.061749 

8.7906329 

395.0566 

234563 

72 

16.8423 

.059374 

8.7735996 

411.8988 

23.5156 

73 

17.5160 

.057091 

8.7565662 

429.4148 

23.5727 

74 

18.2166 

.054895 

8.7395329 

447.63H 

23.6276 

75 

18.9453 

.052784 

8.7224996 

466.5766 

23.6804 

76 

19.7031 

.050754 

8.7054663 

486.2797 

23.7312 

77 

20.4912 

.048801 

8.6384329 

506.7709 

23.7800 

78 

21.3108 

.046924 

8.6713996 

528  0817 

23.8269 

79 

22.1633 

.045120 

8.6543662 

550.2450 

23.8720 

80 

23.0498 

•043384 

8.6373329 

573  2948 

23.9154 

81 

23.9718 

.041716 

8.6202996 

597.2666 

239571 

82 

24.9307 

.040111 

8.6032662 

622.1972 

23.9972 

83 

25.9279 

.038569 

8.5862329 

648.1251 

24-0358 

84 

26.9650 

.037085 

8.5691995 

675.0901 

24.0729 

85 

28.0436 

.035659 

8.5521662 

703-I337 

24.I085 

86 

29.1653 

.034287 

8.5351328 

732.2991 

24.1428 

sz 

30.3320 

.032969 

8.5180995 

762.6310 

24.1758 

88 

3L5452 

.031701 

8.5010661 

794- 1763 

24.2075 

89 

32  8071 

.030481 

8.4840328 

826.9833 

24.2380 

90 

34-1193 

.029309, 

8.4669995 

861.1027 

24.2673 

9i 

35-484I 

.028182 

8.4499661 

896.5868 

24.2955 

92 

36.9035 

.027098 

8.4329327 

933.4902 

24.3226 

93 

38.3796 

.026056 

8.4158994 

971.8699 

24.3486 

94 

39.9148 

.025053 

8.3988661 

101 1.7846 

24  3737 

95 

4I-5II4 

.024090 

8.3818328 

1053.2960 

24.3978 

96 

43  1718 

.023163 

8.3647995 

1096.4679 

24.4209 

97 

44.8987 

.022272 

8.3477660 

114 1  3666 

24.4432 

98 

46.6947 

.021416 

8.3307327 

1188.0613 

24.4646 

99 

40.5625 

.020592 

8.3136993 

1236.6237 

24.4852 

100 

50.5049 

.019800 

8.2966661 

1287.1287 

24.5050 

J'tfvUtl         .O't^ 


72 


Principles  and  Practice 


Table  No.  VI. 

INTEREST  TABLE,  FOUR  AND  ONE-HALF  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

*V 3.1 11G  of 

Years. 

One  Dollar 

of  One  Dollar 

Logarithm  w*. 

One  Dollar 

One  Dollar 

at  end  of 

due  x  years 

per  annum  at 

per  annum  for 

.r  years. 

hence  =  jr*. 

end  of  x  yrs. 

x  years. 

I 

1.0450 

.956938 

9.9808837 

I.0450 

.9569 

2 

I.Og20 

•9*5730 

99617674 

2.I370 

I.8727 

3 

I.I412 

.876297 

9.94265II 

3.2782 

2.7490 

4 

11925 

.838561 

9.9235348 

4  4707 

3.5875 

5 

I.2462 

.802451 

9.9044186 

5.7169 

4  3900 

6 

I.3023 

.767896 

9.8853023 

7.OI92 

5-1579 

I 

I.3609 

.734828 

9.8661860 

8  3800. 

5.8927 

1. 4221 

.703185 

9.8470697 

9.8021 

6-5959 

9 

I  4861 

.672904 

9.8279534      1 

11.2882 

7.2688 

10 

I-553Q 

.643928 

9.808837I 

12.8412 

7.9127 

ii 

1.6229 

.616199 

9.7897208 

14.4640 

8.5289 

12 

1.6959 

.589664 

9.7706045 

16.1599 

9.II86 

13 

1.7722 

.564272 

9.7514883 

I7932I 

9.6829 

14 

1.8519 

•539973 

9.7323719 

19.7841 

10.2228 

15 

1-9353 

.516720. 

9.7I32557 

21.7193 

10.7395 

16 

2.0224 

.494469 

9.6941394 

23-74I7 

1 1 .  2340 

\l 

2.1134 

•473'76 

9.6750231 

25-8551 

II.7072 

2.2085 

.452800 

9.6559068 

28.0636 

I2.l60D 

19 

2.3079 

•433302 

9.6367905 

30.37I4 

12.5933 

20 

2.41 1 7 

.414643 

9.6176742 

32.7831 

I3.0079 

21 

2.5202 

.396787 

9-5985579 

35-3034 

I3.4047 

22 

2.6337 

.379701 

9.5794416 

37-9370 

1 3- 7844 

23 

2.7522 

.363350 

9.5603254 

40.6892 

14.1478 

24 

2.8760 

.347703 

9.5412090 

43-5652 

14.4955 

25 

30054 

.332731 

9.5220928 

46. 5706 

14.8282 

26 

3-I407 

.313402 

9.5029765 

49-7"3 

15.1466 

3 

3.2S20 

.304691 

9.4838602 

52.9933 

I5.45I3 

3-4297 

.29'57I 

9.4647438 

56.4230 

1 5- 7429 

29 

3-5840 

.279015 

9.4456276 

60.0071 

16.0219 

30 

3-7453 

.267000 

9.42651 13 

63-7524 

16.2889 

3i 

39139 

.255502 

9-4073950 

67.6662 

16.5444 

32 

4.0900 

.244500 

9-3882787 

71.7562 

16.7889 

33 

4  2740 

•233971 

9.3691624 

76.0303 

17.0229 

34 

4.4664 

.223896 

9.3500461 

80.4966 

17.2468 

35 

46673 

.214254 

•    9.3309298 

85.1640 

17.4610 

36 

4.8774 

.205028 

9.3II8I35 

90.0413 

17.6660 

11 

5.0969 

.I9619Q 

9  2926973 

95-I382 

17.8622 

5.3262 

.187750 

9.2735810 

TOO.  4644 

18.0500 

39 

55659 

.179665 

9.2544647 

I06.O303 

18.2297 

40 

5.8164 

.171929 

9.2353484 

III   8467 

18.4016 

4i 

6.0781 

.164525 

9.2162321 

II7.9248 

18.5661 

42 

6.3516 

•157440 

9  I97"58 

I24.2764 

18.7236 

43 

6.6374 

.150661 

9.I779Q95 

I3O.9138 

18.8742 

44 

6.9361 

.144173 

9.1588832 

I37-8500 

19.0184 

45 

7.2482 

.137964 

9.1397669 

I45.O982 

19  1563 

46 

7-5744 

.132023 

9.1206507 

I52.6726 

19.2884 

9 

7-9»53 

.126338 

9IOI5343 

i    160.5879 

19.4147 

8.2715 

.120898 

9.0824181 

168.8594 

I9-5356 

49 

8.6437 

. 1 1  5692 

9.0633017 

177.5030 

196513 

50 

9.0326 

.II0710 

9.0441855 

186.5357 

19.7620 

Of  L,ife  Insurance. 


73 


Table  No. 

VI . — Concluded. 

INTEREST  TABLE,  FOUR  AND  ONE-HALF  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years, 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  vx. 

Logarithm  vm. 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

51 

9-4391 

.IO5942 

9.O250692 

I95.9748 

I9.8680 

52 

9.8639 

.IOI380 

9.O059529 

205.8386 

19.9693 

53 

10.3077 

.097014 

8.9868366 

216.1464 

2O.0663 

54 

10.7716 

.092837 

8.9677203 

226.9180 

20.I592 

55 

11.2563 

.088839 

8.9486040 

238.1743 

20.2480 

56 

ir. 7628 

.085013 

8.9294877 

249-9371 

2O.333O 

57 

12.2922 

•O81353 

8.9103714 

262  2293 

20.4144 

58 

12.8453 

•077849 

8.8912551 

275.O746 

20.4922 

59 

I3-4234 

.074497 

8.8721389 

288.4980 

20.5667 

60 

14.0274 

.071289 

8.8530226 

302.5254 

20.6380 

61 

14.6586 

.068219 

8.8339063 

3I7.I840 

20. 7062 

62 

I5-3I83 

.065281 

8.81479OO 

332.5023 

20.7715 

63 

16.0076 

.062470 

8.7956737 

348.5^99 

20.8340 

64 

16.7279 

.059780 

8.7765574 

365.2378 

20.8938 

65 

17.4807 

.057206 

8.75744H 

382.7185 

2O.951O 

66 

18.2673 

•054743 

8.7383248 

4OO.9859 

2I.0057 

67 

19.0894 

.052385 

8.7192085 

420.0752 

2I.O581 

68 

19.9484 

.050129 

8.7000922 

440.0236 

21^1082 

69 

20.8461 

.047971 

8.6809760 

460.8697 

2I.I562 

70 

21.7841 

•045905 

8.6618597 

482.6538 

21.2021 

7i 

22.7644 

.043928 

8.6427434 

505.4182 

21.2460 

72 

23.7888 

.042037 

8.6236271 

529.2071 

2I.288I 

73 

24.8593 

.040226 

8.6045108 

554-0664 

21.3283 

74 

25.9780 

.038494 

8.5853945 

580.O444 

21.3668 

75 

27.1470 

.036836 

8.5662783 

607.I914 

21.4036 

76 

28.3686 

.035250 

8.5471619 

635.5600 

21.4389 

0 

29.6452 

•033732 

8.5280457 

665.2052 

2I.4726 

30.9792 

.032280 

8.5089293 

696.1844 

2I.5049 

79 

32.3733 

.030890 

8.4898130 

728.5577 

21.5358 

80 

33.8301 

•029559 

8.4706968 

762.3878 

21.5653 

81 

35-3525 

.028287 

8.4515804 

797.7402 

21.5936 

82 

36.9433 

.027069 

8.4324642 

834-6836 

21.6207 

83 

38.6058 

.025903 

8.4133479 

873.2893 

21.6466 

84 

40.3430 

.024787 

8.3942317 

913.6323 

21.6714 

85 

42.1585 

.023720 

8. 375 1 1 52 

955.7908 

21.6951 

86 

44.0556 

.022699 

8.3559991 

999.8464 

21.7178 

87 

46  0381 

.021721 

8.3368828 

1045.8845 

2L7395 

88 

48.1098 

.020786 

8.3C77665 

1093.9943 

21.7603 

89 

50.2747 

.OI989I 

8.2986501 

1 144. 2690 

21   7802 

90 

52.5371 

.OI9034 

8.2795339 

1 1 96. 8061 

21.7992 

9i 

54.9013 

.018215 

8.2604175 

1 25 1. 7074 

21.8175 

92 

57-3718 

.017430 

8.2413014 

1309  0792 

2I.S349 

93 

599536 

.016680 

8.2221851 

1369.0328 

2I.85I6 

94 

62.6515 

.015961 

8.2030688 

1431-6843 

21.8675 

95 

65.4708 

.OI5274 

8.1839525 

I497.I55I 

21.8828 

96 

68.4170 

.OI4616 

8.1648362 

1565.5720 

21.8974 

U 

7i  4957 

.013987 

8.1457200 

1637.0678 

2I.9II4 

74  7130 

.OI3385 

8.1266035 

1711.7808 

2I.9248 

99 

780751 

.012808 

8.1074871 

1789.8560 

2I.9376 

100 

81.5885 

.OI2257 

8.0883711 

1871.4445 

2I.9499 

74 

: 

Principles  and   Practice 

Table  No.  VII. 

INTEREST  TABLE,  FIVE  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Years. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  v*. 

One  Dollar 
per  annum  at 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

x  years. 

hence  =zm 

end  of  x  yrs. 

I 

I.050O 

.952381 

9.9788107 

I.O5OO 

.9524 

2 

1. 1025 

.907029 

9.9576215 

2.1525 

I.8594 

3 

1. 1576 

.863838  J 

9.9364321 

3-3!OI 

2.7232 

4 

1.2155 

.822702 

9.9152428 

4.5256 

35460 

5 

I.2763 

.783526 

9.8940535 

5.8019 

4.3295 

6 

1. 340I 

.746215 

9.8728642 

7.I420 

5.0757 

I 

1. 407 1 

.7I068I 

9.8516749 

8.5491 

5.7864 

1-4775 

.676839 

9.8304856 

I0.0266 

6.4632 

9 

I- 5513 

.644609 

9.8092963 

11.5779 

7.IO78 

10 

I.6289 

.613913 

9.7881070 

I3.2068 

7.7217 

XI 

1. 7I03 

.584679 

9.7669177 

I4.917I 

8.3064 

12 

1-7959 

.556837 

9.7457284 

16.7130 

8.8633 

13 

1.8856 

.530321 

9.724539I 

18.5986 

9-3936 

M 

1.9799 

.505068 

9.7033498 

20.5786 

9.8986 

i5 

2.0789 

.481OI7 

9.6821605 

22.6575 

IO.3797 

16 

2.1829 

.458112- 

9.6609712 

24.8404 

IO.S378 

12 

2.2920 

.436297 

9.639782O 

27.1324 

II. 274I 

2.4066 

.415521 

9.6185926 

29-5390 

II.6896 

19 

2.5270 

•395734 

9.5974033 

32.0660 

I2.0853 

20 

2.6533 

.376889 

9.576214O 

34- 7193 

12.4622 

21 

2.7860 

•358942- 

9.5550248 

37.5052 

12.8212 

22 

2.9253 

.3418 

9.5338354 

40.4305 

13.1630 

23 

3.0715 

• 325571^ 

9  5126461 

43.5020 

13.4886 

24 

3.2251 

.3IOO68-" 

9.4914568 

46.7271 

13  7986 

25 

3.3864 

.295303 

9.4702675 

50.H35 

I4.O939 

26 

3-5557 

.28I24I-- 

9.4400782 

53-6691 

14.3752 

2 

3-7335 

.267848  - 

9.427889O 

57-4026 

I4.643O 

3.9201 

.255094  — 

9.4066996 

61.3227 

I4.8981 

29 

4.1161 

.242946  — 

9.3855I03 

65.4388 

I5.I4II 

30 

4.3219 

.231377- 

9.3643210 

69. 7608 

15.3725 

3i 

4.538o 

.220359  "• 

9.3431318 

74.2988 

15.5928 

32 

4.7649 

.209866   ' 

9.3219425 

79.0638 

15.8027 

33 

5.0032 

.199873- 

9.3007531 

84.0670 

16.OO25 

34 

5.2533 

.I90355 " 

9.2795638 

89.3203 

16.I929 

35 

5.5160 

.I81290  - 

9.2583745 

94.8363 

16  3742 

36 

5.7918 

.I72657-- 

9.2371852 

100.6281 

16.5469 

* 

6.0814 

.164436  -" 

9-2I59Q59 

106.7095 

16.7II3 

6.3855 

.I56605  -- 

9.1948066 

113.0950 

16.8679 

39 

6.7048 

.149148  T 

9.I736I73 

119  7998 

I7.OI70 

40 

7.0400 

.142046  *" 

9.1524280 

126.8398 

I7-I59I 

4i 

7.3920 

.135282 

9.1312387 

134.2318 

17.2944 

42 

7.7616 

.128840-- 

9. 1 100494 

I4I-9933 

I7-4232 

43 

8.1497 

.122704-^ 

9.0888601 

150.1430 

17.5459 

44 

8.5572 

.116861^ 

9.0676708 

158.7002 

17.6628 

45 

8.9850 

.III297-* 

9.0464816 

167.6852 

17.7741 

46 

9.4343 

.105997  -» 

9.0252923 

I77-II94 

I7.880I 

47 

9.9060 

.100949^- 

9.0041029 

187.0254 

I7.981O 

48 

10.4013 

.096142  - 

8.9829137 

197.4267 

18.0772 

49 

10.9213 

.091564  - 

8.9617244 

208.3480 

18.1687 

50 

11.4674 

.087204- 

8.9405351 

219.8154 

18.2559 

Of  IyiFE 

Insurance 

1 

75 

Table  No. 

VII.—  Concluded. 

INTEREST  TABLES,  FIVE  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Years. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  «•, 

One  Dollar 
per  annum  at 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

x  years. 

hence  =  #*. 

end  of  x  yrs. 

Si 

I2.O408 

.083051  - 

-      8.9193458 

23I.8562 

I8.3390 

52 

I2.6428 

.079096  *" 

8.8981564 

244.499O 

I8.418I 

S3 

13.2749 

.075330- 

8.8769672 

257.7739 

I8.4934 

54 

I3.9387 

.071743-" 

8.8557778 

271.7126 

I8.565I 

55 

14.6356 

.068326  - 

8.8345886 

286.3482 

18.6335 

56 

15.3674 

.065073--' 

8.8133992 

30I.7I57 

I8.6985 

57 

16.1358 

.061974  < 

8.7922099 

317.8514 

18.7605 

58 

16.9426 

.059023  - 

•""     8.7710206 

334.7940 

I8.8195 

§9 

17.7897 

.056212 -" 

8.7498313 

352.5837 

18.8758 

60 

18.6792 

.053536— 

8.728642O 

371.2629 

18.9293 

61 

I9.6131 

.050986- 

8.7074527 

390.8760 

18.9803 

62 

20.5938 

.048558^ 

8.6862635 

411.4699 

I9.O288 

63 

21.6235 

.046246 

8.6650742 

433-0933 

I9.O75I 

64 

22.7047 

.044044  - 

8.6438849 

455.7980 

I9.II9I 

65 

23.8399 

.041946-- 

8.6226955 

479.6379 

I9.16H 

66 

25.0319 

.039949- 

8.6015062 

504.6698 

I9.20IO 

ft 

26.2835 

.038047  *" 

8.5803170 

530.9533 

19.2391 

68 

27-5977 

.036235^ 

8-559I277 

558.55IO 

19-2753 

69 

28.9775 

.034509-' 

8.5379384 

587.5285 

I9.3098 

70 

30.4264 

.032866  — 

8.5167491 

617.9549 

I9.3427 

7i 

3L9477 

.031301  ~ 

8-4955597 

649.9027 

I9.374O 

72 

33.5451 

.0298H  ir 

8.4743704 

683.4478 

I9.4038 

73 

35.2224 

.02839I-" 

8.4531812 

718.6702 

I9.4322 

74 

36.9835 

.027039 

8.4319919 

755.6537 

I9.4592 

75 

38.8327 

.025752  «■" 

8.4108026 

794.4864 

I9.4850 

76 

40.7743 

.024525  «*• 

f'   8.3896132 

835.2607 

I9.5095 

7Z 

42.8130 

.023357- 

8.3684240 

878.0738 

I9.5329 

78 

44-9537 

.022245«^ 

8.3472347 

923'.0274 

I9-555I 

8 

47.2014 

.02II86* 

8.3260453 

970.2288 

19.5763 

49.5614 

.020177 

8.3048562 

IOI9.7903 

19.5965 

81 

52.0395 

.OI9216** 

8.2836668 

IO71.8298 

I9.6157 

82 

54.6415 

.018301-" 

8.2624774 

II26.4713 

I9.6340 

83 

57.3736 

.OI743O 

8.2412882 

I 183.8448 

I9.65I4 

84 

60. 2422 

.016600 

8.2200989 

1 244. 08  7 1 

I9.6680 

85 

63.2544 

.015809/ 

8.1989096 

I307.3414 

I9.6838 

86 

66.4171 

.OI5056 

8.1777203 

I373.7585 

I9.6989 

87 

69.7379 

•OI4339- 

8.1565310 

I443.4964 

I9.7I32 

88 

73-2248 

.OI3657X 

8.I3534I6 

I516.7212 

I9.7269 

89 

76.8861 

.OI3006 

8.1141524 

I593.6073 

19-7399 

90 

80. 7304 

.012387^ 

8.0929630 

1674.3377 

I9.7523 

91 

84. 7669 

.OII797 

8.0717738 

1759.  I045 

I9.764I 

92 

89.OO52 

.oii235^ 

8.0505847 

1848. IO98 

19.7753 

93 

93-4555 

.010700  - 

8.0293952 

I94I.5653 

I9.7860 

94 

98.1283 

.010191 

8.0082057 

2039.6935 

I9.7962 

95 

I03.0347 

.009705 

7.9870166 

2142.7282 

19-8059 

96 

I08.1864 

.009243 

7.9658275 

2250.9146 

I9.8I5I 

U 

Ii3-5957 

.008803 

7.9446381 

2364.5103 

19.8239 

Ii9-2755 

.008384 

7.9234487 

2483.7859 

19.8323 

99 

I25-2393 

.007985 

7.9022591 

2609.0252 

I9.8403 

100 

— 

131.5013 

.007604 

7.8810702 

2740.5264 

I9.8479 

1 

7o 

Principles 

and   Practice 

Table  No.  VIII. 

INTEREST  TABLES,  SIX  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Ybars. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  v*. 

One  Dollar 
per  annum  at 

x  years. 

hence  =  7'z. 

end  of  x  yrs. 

I 

I.060O 

.943^96 

9.9746942 

1.0600 

•9434 

2 

1. 1236 

.889996 

9.9493883 

2.1836 

1.8334 

3 

I.iglO 

.839619 

9.9240824 

3.3746 

2.6730 

4 

I.2625 

.792094 

9.8987765 

4.6371 

3.4651 

5 

1.3382 

.747258 

9.8734706 

5-9753 

4.2124 

6 

1. 4185 

.704961 

9.8481648 

7.3938 

4.9173 

I 

I.5036 

.665057 

9.8228589 

8.8975 

5.5824 

1-5938 

.627412 

9-7975531 

10.4913 

6.2098 

9 

I.6895 

.591898 

9.7722472 

12.1808 

6.8017 

10 

I.7908 

.558395 

9.7469413 

13.9716 

7.360I 

IX 

I.8983 

.526788 

9-  7216355 

15.8699 

7.8869 

12 

2.0I22 

.496969 

9.6963296 

17.8821 

8.3838 

13 

2.1329 

.468839 

9.6710238 

20.0151 

8.8527 

14 

2.2609 

.442301 

9.6457179 

22.2760 

9.2950 

15 

2.3966 

.417265 

9.62041 2 1 

24.6725 

9.7122 

16 

2.5404 

.393646 

9.5951062 

27.2129 

IO.IO59 

\l 

2.692S 

.371364 

9. 5698003 

29.9057 

IO.4773 

2.8543 

.350344 

9.5444944 

32.7600 

IO.8276 

19 

3.0256 

.330513 

9-5191885 

35-7856 

II.I581 

20 

3.207I 

.3H805 

9.4938827 

38.9927 

II.4699 

21 

3.3990 

.294155 

9.4685768 

42.3923 

I  r.  7641 

22 

3.6035 

.277505 

9.4432710 

45.9958 

12.0416 

23 

3.8197 

.261797 

9. 4 1 7965 1 

49.8156 

12.3034 

24 

4.0489 

.246979 

9.3926592 

53.8645 

12.5504 

25 

4.2919 

.232999 

9-3673534 

58.1564 

12.7834 

26 

4-5494 

.219S10 

9.3420475 

62.7058 

13.0032 

2i 

4.8223 

.207368 

9.3167416 

67.5281 

13.2105 

5.III7 

.195630 

9.2914358 

72.6398 

13.4062 

29 

5.4184 

.184557 

9.2661299 

78.0582 

13.5907 

30 

5-7435 

.I74"0 

9.2408240 

83.8017 

13.7648 

3* 

6.0881 

.164255 

9.2155182 

89.8893 

13.9291 

32 

6-4534 

.154957 

9. 1902 1 23 

9°- 3432 

14.0840 

33 

6.8406 

.146186 

9. 1649065 

103.1838 

14.2302 

34 

7.25IO 

.137912 

9.1396006 

110.4348 

14.3681 

35 

7.6861 

.130105 

9. 1 142947 

1 18. 1209 

14.4982 

36 

8.1473 

.122741 

9.0889889 

126.2681 

14.6210 

12 

8.6361 

.H5793 

9.0636S30 

134.9042 

14.7368 

9-1543 

.IO9239 

9.0383771 

144-0585 

14.8460 

39 

9.7035 

.103056 

9.0130713 

153.7620 

14.9491 

40 

10.2857 

.097222 

8.9877654 

164.0477 

15.0463 

4i 

10.9029 

.091719 

8.9624595 

174.9505 

15-1380 

42 

II.5570 

.086527 

8.9371536 

186.5076 

15.2245 

43 

12.2505 

.081630 

8.911847S 

198.7580 

15.3062 

44 

12.9855 

.077009 

8.8865419 

2H.7435 

15-3832 

45 

13.7646 

.072650 

8.8612360 

225.5081 

15.4558 

46 

I4.5905 

.068538 

8.8359302 

240.09S6 

I5.5244 

% 

15.4659 

.064658 

8.8106243 

255.5645 

15-5890 

16.3939 

.060998 

8.7853184 

271.9584 

15.6500 

49 

17-3775 

•057546 

8.7600126 

289.3359 

15.7076 

50 

- — 

18.4202 

.054288 

8.7347067 

307.7561 

15.7619 

Of  Life   Insurance. 

77 

Table  No. 

VII L— Concluded. 

INTEREST  TABLES.  SIX  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 

of  One  Dollar 
due  x  years 

Logarithm  v*% 

One  Dollar 
per  annum  at' 

x  years. 

hence  =  v*. 

end  of  x  yrs. 

51 

I9-5254 

.051215 

8.7094009 

327.2814 

I5.8I3I 

52 

20.6969 

.048316 

8.6840951 

347-9783 

15.8614 

53 

21.9387 

.045582 

8.6587892 

369.9170 

15.9070 

54 

23.2550 

.O43OOI 

8.6334833 

393.1720 

I5-9500 

55 

24.6503 

.040567 

8.6081774 

417.8223 

I5-9905 

56 

26.1293 

.038271 

8.5828715 

443.9517 

I6.0288 

57 

27.6971 

.036105 

8.5575656 

471.6488 

16.0649 

58 

29-3589 

.034061 

8.5322598 

50I.0077 

16.O99O 

11 

3I.I205 

.032133 

8.5069540 

532.1282 

16.I3II 

32.9877 

.030314 

8.4816481 

565.1159 

16.1614 

61 

34.9670 

.028598 

8.4563422 

600.0828 

16.I9OO 

62 

37.0650 

.026980 

8.4310363 

637.1478 

16.2170 

63 

39.2889 

.025453 

8.4057305 

676.4367 

16.2425 

64 

41.6462 

.024012 

8.3804245 

718.0829 

16.2665 

65 

44.1450 

.022653 

8.3551188 

762.2278 

16.289I 

66 

46.7937 

.021370 

8.3298128 

809.0215 

16.3105 

67 

49.6013 

.020l6l 

8.3045071 

858.6228 

16.3307 

68 

52.5774 

.OI9020 

8.2792012 

9II.2OO2 

16.3497 

69 

55.7320 

.OI7943 

8.2538953 

966.9322 

16.3676 

70 

59-°759 

.OI6927 

8.2285895 

I026.008 1 

16.3845 

7i 

62.6205 

.OI5969 

8.2032835 

IO88.6286 

16.4005 

72 

66.3777 

.OI5065 

8.1779778 

II55.O063 

16.4156 

73 

70.3604 

.OI4213 

8.1526717 

I225.3667 

16.4298 

74 

74-5820 

.OI3408 

8.1273660 

1299.9487 

16.4432 

75 

79.0569 

.OI2649 

8. 1020601 

I379.OO56 

16.4558 

76 

83.8003 

.OII933 

8.0767544 

1462.8059 

16.4678 

77 

88.8284 

.OII258 

8.0514485 

I55I-6343 

16.479O 

78 

94-I58I 

.OI0620 

8.0261425 

1645.7924 

16.4897 

79 

99.8075 

.OIOOI9 

8.0008365 

1745.5999 

16.4997 

80 

IO5.7960 

.OO9452 

7.9755306 

1851.3959 

16.509I 

81 

112.  I438 

.OO8917 

7.9502251 

I963.5396 

16.5180 

82 

II8.8724 

.008412 

7.9249189 

2082.4120 

16.5265 

83 

I26.OO47 

.OO7936 

7.8996132 

2208.4167 

16.5344 

84 

I33.5650 

.OO7487 

7.8743072 

234I. 9817 

16.5419 

85 

I4I.5789 

.OO7063 

7.8490015 

2483.5606 

16.5489 

86 

I5O.O736 

.006663 

7.8236959 

2633.6343 

16.5556 

87 

I59.O781 

.006286 

7.7983896 

2792.7123 

16.5619 

88 

168.6227 

.OO593O 

7.7730840 

2961. 3351 

16.5678 

89 

I78.74OI 

•OO5595 

7.7477784 

3140.0752 

16.5734 

90 

189.4645 

.OO5278 

7.7224719 

3329.5397 

16.5787 

9i 

2OO.8324 

.OO4979 

7.6971666 

3530.3721 

16.5837 

92 

212.8823 

.OO4697 

7.6718603 

3743.2544 

16.5884 

93 

225.6553 

.OO4432 

7.6465547 

3968.9097 

16.5928 

94 

239.I946 

.OO4181 

7.6212490 

4208.IO42 

16.5970 

95 

253-5463 

.OO3944 

7.5959424 

4461.6505 

16.6009 

96 

268.759O 

.OO372I 

7-5706375 

473O.4095 

16.6047 

97 

284.8846 

.OO35IO 

7.5453307 

5015. 2941 

16.6082 

98 

301.9776 

.OO3312 

7.5200248 

5317.2718 

16.6115 

99 

32O.O963 

.OO3124 

7.4947193 

5637.3681 

16.6146 

100 

339.3021 

.OO2947 

7.4694140 

5976.670I 

16.6175 

78 

Principles 

and  Practice 

Table  No.  IX. 

INTEREST  TABLES,  SEVEN  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  */*# 

Logarithm  tr". 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

X 

I.0700 

•934579 

9.9706162 

I.0700 

.9346 

2 

1. 1449 

■873439 

9.9412324 

2.2149 

I.8080 

3 

I.2250 

.816298 

9.9118487 

3-4399 

2.6243 

4 

1. 3108 

.762895 

9.8824649 

4- 7507 

3.3872 

5 

I.4026 

.712966 

9.85308H 

6.1533 

4.I002 

6 

1.5007 

.666342 

9.8236973 

7.6540 

4.7665 

I 

I.6058 

.622750 

9- 7943  >36 

9.2598 

5.3893 

I. 7182 

.582009 

9.7649298 

10.9780 

5-9713 

9 

I.8385 

•543934 

9- 7355460 

12.8164 

6.5152 

10 

I.9672 

.508349 

9.7061622 

14.7836 

7.O236 

ii 

2.IO49 

.475093 

9.6767784 

16.8885 

7.4987 

12 

2.2522 

.444012 

9.6473946 

19.1406 

7.9427 

13 

2.4098 

.414964 

9.6180109 

21.5505 

8.3577 

M 

2.5785 

.387817 

9.5886271 

24.1290 

8-7455 

15 

2  7500 

.362446 

95592433 

26.8881 

9.IO79 

16 

2.9522 

.338734 

9.5298595 

29.8402 

9.4466 

\l 

3.1588 

.316574 

9.5004758 

32.9990 

9.7632 

3-3799 

.295864 

9  4710920 

36.3790 

IO.O59I 

10 

3  6165 

.276508 

9.4417082 

39-9955 

IO.3356 

20 

3.8697 

.258419 

9.4123244 

43.8652 

IO.594O 

21 

4.1406 

•24I5I3 

9.3829407 

48.0057 

IO.8355 

22 

4.4304 

.225713 

9.3535569 

52.4361 

II.0612 

23 

4-7405 

.210947 

9.3241731 

57.1767 

11.2722 

24 

5-0724  • 

.197147 

9.2947893 

62.2490 

H.4693 

25 

5.4274 

.184249 

9.2654056 

67.6765 

II.6536 

26 

5.8074 

.172195 

9.2360218 

73-4838 

II.8258 

3 

6.2139 

.160930 

9.2066380 

79.6977 

II.9867 

6.6488 

.  1 50402 

9.1772542 

86.3465 

12.1371 

29 

7- 1 143 

.140563 

9.1478704 

93.4608 

12.2777 

30 

7.6123 

.131367 

9. 1 1 84867 

101.0730 

I2.409O 

3i 

8.1451 

.122773 

9.0891029 

109.2182 

I2.53I8 

32 

8.7153 

.114741 

9  0597191 

H7-9334 

I2.6466 

33 

9-3253 

.IO7234 

9-0303353 

127.2588 

12.7538 

34 

9.9781 

.IOO219 

9.0009515 

1372369 

I2.8540 

35 

10.6766 

.O93663 

8.9715678 

147.9135 

12.9477 

36 

11.4239 

.087535 

8.9421840 

159-3374 

I3.0352 

8 

12.2236 

.08 1 809 

8.9128002 

171. 5610 

I3.II70 

I3-0793 

.076457 

8.8834164 

184.6403 

I3-I935 

39 

13.9948 

.071455 

8.8540327 

198.6351 

13-2649 

40 

H-9745 

.066780 

8.8246489 

213.6096 

13.3317 

4i 

16.0227 

.062412 

8.7952651 

229.6322 

13.3941 

42 

17.1443 

.058329 

8.7658813 

246.7765 

13.4524 

43 

18.3444 

.054513 

8.7364976 

265.1209 

I3.5070 

44 

19.6285 

,050946 

8.7071138 

284.7493 

13.5579 

45 

21.0025 

.047613 

8.6777300 

305.75I8 

I3.6055 

46 

22.4726 

.044499 

8.6483462 

328.2244 

I3.650O 

% 

24.0457 

.041587 

8.6189625 

352.2701 

13.6916 

25.7289 

.038867 

8.5895787 

377.9990 

I3-7305 

49 

27.5299 

.036324 

8.5601949 

405.5289 

I3.7668 

50 

29.4570 

.033948 

8.5308111 

434.9860 

I3.8007 

Of  Life  Insurance. 

79 

Table  No. 

IX . — Concluded. 

INTEREST  TABLES,  SEVEN  PER  CENT. 

Amount  of 

Present  Value 

Amount  of 

Present 

Value  of 

One  Dollar 

per  annum  for 

x  years. 

Years. 

One  Dollar 
at  end  of 
x  years. 

of  One  Dollar 
due  x  years 
hence  =  vx. 

Logarithm  v*. 

One  Dollar 
per  annum  at 
end  of  x  yrs. 

51 

3I-5I90 

.031727 

8.5014274 

466.5050 

I3-8325 

52 

33-7253 

.029651 

8.4720435 

500.2303 

13.8621 

S3 

36.0861 

.0277H 

8.4426598 

536.3164 

13.8898 

54 

38.6122 

.0258Q9 

8.4132760 

574.9286 

13.9157 

55 

4L3I50 

.024204 

8.3838922 

616.2436 

13-9399 

56 

44.2071 

.022621 

8.3545085 

660.4506 

13.9626 

57 

47-30I5 

.02II4I 

8.3251247 

707.7522 

13.9837 

58 

50.6127 

.OI9758 

8.2957409 

758.3648 

I4.0035 

59 

54-1555 

.OI8465 

8.2663571 

812.5204 

I4.0219 

60 

57-9464 

.OI7257 

8.2369733 

870.4668 

I4.O392 

61 

62.0027 

.Ol6l28 

8.2075896 

932.4695 

I4.0553 

62 

66.3429 

.015073 

8.1782058 

998.8124 

I4.0704 

63 

70.9869 

.OI4087 

8.1488220 

1069.7992 

14.0845 

54 

75-9559 

.OI3166 

8.II94381 

II45.7552 

I4.O976 

65 

81.2729 

.OI2304 

8.O9OO544 

1227.0280 

14.  IO99 

66 

86.9620 

.OII499 

8.0606707 

1313.9900 

I4.I214 

67 

93-0493 

.OIO747 

8.0312869 

1407.0393 

14.1322 

68 

99.5627 

.OIOO44 

8.OOI9031 

1506.6020 

I4.I422 

69 

106.5321 

.OO9387 

7.9725193 

1613.1342 

I4.I5I6 

70 

113.9894  . 

.008773 

7.9431356 

1727.1236 

I4.1604 

7i 

121.9686 

.008199 

7-91375*8 

1849.O922 

14.1686 

72 

130.5065 

.OO7662 

7.8843680 

1979.5987 

I4.1763 

73 

139.6419 

.OO7161 

7.8549842 

21 19. 2406 

I4.I834 

74 

149.4168 

.OO6693 

7.8256005 

2268.6574 

I4.I9OI 

75 

159.8760 

.OO6254 

7.7962167 

2428.5334 

14.  I964 

76 

171.0673 

.OO5846 

7.7668329 

2599.6008 

I4.2022 

77 

1S3.0421 

.OO5463 

7.7374491 

2782.6428 

14.2077 

78 

195-8550 

.005106 

7.7080653 

2978.4978 

14.2128 

B 

209. 5648 

.OO4772 

7.6786816 

3188.0627 

I4.2175 

224.2344 

.OO4460 

7.6492978 

3412.2971 

I4.2220 

81 

239.9308 

.OO4168 

7.6199140 

3652.2279 

14.2262 

82 

256.7260 

.OO3895 

7.5905302 

3908.9538 

I4.230I 

83 

274.6968 

.OO3640 

7. 561 1464 

4183.6506 

14.2337 

84 

293.9255 

.OO3402 

7-53I7627 

4477.5761 

14.2371 

85 

314.5003 

.OO3180 

7.5023789 

4792.O764 

14. 2403 

86 

336.5154 

.OO2972 

7.4729951 

5128. 5918 

14- 2433 

87 

360.0714 

.OO2777 

7.4436114 

5488.6632 

14.2460 

88 

385.2764 

.OO2596 

7.4142275 

5873-9397 

14.2486 

89 

412.2458 

.OO2426 

7.3848438 

6286.1854 

14.2511 

90 

441.1030 

.OO2267 

7.3554600 

6727.2884 

I4.2533 

9i 

471.9802 

.OO2II9 

7.3260762 

7199.2686 

14.2554 

92 

505.0188 

.OOI980 

7.2966924 

7704.2874 

14-2574 

93 

540.3701 

.OO185I 

7.2673087 

8244.6575 

14-2593 

94 

578.1960 

.OOI73O 

7.2379249 

8822.8535 

14.2610 

95 

618.6697 

.OOI616 

7. 208541 1 

944I.5233 

14.2626 

96 

661.9766 

.OOI5II 

7.i79T573 

IOIO3.4999 

14.2641 

97 

708.3150 

.OOI4I2 

7.1497736 

IO8H.8149 

14.2655 

98 

757.8970 

.OOI319  ' 

7.1203898 

II569.712O 

14.2669 

99 

810.9498 

.OOI233 

7.0910060 

I2380. 66l8 

14.2681 

100 

867.7163 

.OOII52 

7.0616222 

I3248.378I 

14.2693 

The   American 
Experience  Table  of  Mortality 


NET  PREMIUMS  AND  NET  VALUES 


COMPUTED    THEREFROM 
ON    THE    BASIS    OF 


THREE  PER   CENT   INTEREST. 


Am.  3* 


Ex 


82 

Principles 

and   Practice 

Table  No.  X. 

AMERICAN  EXPERIENCE  TABLE  OF  MORTALITY. 

Age. 

Number 
Living. 

Num- 
ber 
Dying. 

Logarithm, 
Number 
Living. 

Logarithm, 
Number 
Dying. 

Logarithm, 
Probability 
of  Dying. 

Yearly 
Proba- 
bility of 
Dying 

Expect- 
ation of 
Life. 

10 
II 
12 
13' 

M 

100,000 
99.251 
98.505 
97.762 
97,022 

749 
746 

743 
740 
737 

5.OOOOOOO 

49967349 
4.9934583 
4.99OI701 
4.9868702 

2.8744818 
2  8727388 
2.8709888 
2.8692317 
2.8674675 

7.8744818 
7.8760039 
7.8775305 
7.8790616 
7.8805073 

.007490 
.007516 
•OO7543 
.007569 
.007596 

48.72 
48.08 

47.45 
46.80 
46.16 

19 

96 
95 
94 
94 
93 

,285 
,550 

,818 
089 
362 

735 
732 
729 
727 

725 

4.9835586 
4  9802307 
4.9768908 

49735389 
4.97OI7OI 

2.8662873 
2  8645I I I 
2  8627275 
2.8615344 
2.8603380 

7.8827287 
7.8842804 
7.8858367 

7.8879955 
7.89OI679 

.OO7634 
.007661 
.007688 
.OO7727 
.OO7765 

45-50 
44.85 
44.19 
43-53 
42.87 

20 
21 
22 

23 

24 

92 

9* 

T 

-89 

1637 
,914 
,192 
471 
.751 

723 
722 
721 
720 
719 

4.9667845 
4.9633817 

4  9599567 
4.9565094 

4-9530393 

2  8591383 
2.8585372 
2.8579353 
2.8573325 
2.8567289 

7.8923538 
7-895I555 
7.8979786 
7.9OO8231 
7.9036896 

.007805 
.OO7855 
.007906 
.007058 
.0080II 

42.20 

4L53 
40.85 
40.17 
39.49 

2 

29 

^9,032 
88,314 
87.590 
86,878 
86,160 

718* 
[     7i8 
718 
718 
719 

4.9495461 
4.9460296 
4.9424843 
4.9389098 
49353057 

2.8561244 
2.8561244 
2.8561244 
2.8561244 
2.8567289 

7.OO65783 
7.9IOO948 
7.9136401 
7.9I72I46 
7.9214232 

.OO8065 
.008130 
.OO8197 
.008264 
.008345 

38.81 
38.12 
37-43 
36.73 
36.o3 

30 
31 
32 
33 
34 

85,441 
84,721 
84,000 

83.277 
82,551 

720 
721 

723 
726 
729 

4.9316663 

4.92799" 
4.9242793 
4.9205251 
4.9167223 

2.8573325 
2.8579353 
2.859I383 
2.8609366 
2  8627275 

7.9256662 
7.9299442 
7.934859O 
7.94041 15 
7.9460052 

.OO8427 
.008510 
.OO8607 
.008718 
.OO883I 

35-33 
34-63 
33-92 
33-21 
32.50 

39 

81,822 
81.090 

80.353 
79,611 
78,862 

732 
737 
742 
749 
756 

4.9128701 
4  908^673 
4.9050021 
4.9009731 
4.8968678 

2.8645HI 

2.8674675 
2.8704039 

2.8744818 
2.8785218 

7.9516410 
7.9585002 
7.9654018 
7.9735087 
7.9816540 

.008946 
.OO9089 
.OO9234 
.OO9408 
.OO9586 

31.78 
31.07 

30.35 
29.62 
28.9O 

40 

4i 
42 

43 
44 

78.106 
77341 
76.567 

75  782 
74,985 

765 
774 
7S5 
797 
812 

4.8926844 
4.8884098 
4.8840416 
4.8795661 
4.8749744 

2.8836614 
2.88874IO 
2.8948697 
2.9014583 
2.9095560 

7.9909770 
8.OOO3312 
8.OI08281 
8.0218922 
8.0345816 

.OO9794 
.OIOO08 
.OIO252 
.010517 
.OI0829 

28.18 

27.45 
26.72 
26.OO 
25.27 

49 

74.173 
73,345 
72,497 
71.627 

70,731 

828 
848 
870 
896 
927 

4.8702458 

4.8653705 
4.8603200 
4.8550768 
4.8496098 

2.9180303 
2.9283959 
2.9395193 
2.9523080 
2.967O797 

8.0477845 
8.0630254 
8.0791993 
8.O972312 
8. 1 1 74699 

.OIII63 
.OII562 
.OI2000 
.012509 
.OI3106 

24-54 
23.81 
23.08 
22.36 
21.63 

50 
52 

69,804 
68,842 
67,841 

962 
1,001 
1,044 

4.8438803 

4-8378535 
4.8314922 

2.983175I 
3.OOO434I 
3.0187005 

8.1392948 
8.1625806 
8.1872083 

.OI3781 
.OI454I 
.OI5389 

2O.9I 

20.20 

.19-49 

Ex. 


Am.3% 


Of  IvIfe  Insurance. 

83 

Table  No.  X. — Concluded. 

AMERICAN  EXPERIENCE  TABLE  OF  MORTALITY. 

Number 

Num- 

Logarithm, 

Logarithm, 
Number 

Logarithm, 

Yearly 
Proba- 

Expect- 

Age. 

ber 

Number 

Probability 

bility  of 
Dying. 

ation  of 

Living. 

Dying. 

Living. 

Dying. 

of  Dying. 

Life. 

53 

66,797 

1,091 

4.8247570 

3.O378248 

8.2130678 

.016333 

18.79 

54 

65,706 

1,143 

4.8176050 

3.0580462 

8.2404412 

.OI7396 

18.09 

55 

64,563 

1,199 

4.8099837 

3.O788192 

8.2688355 

.018571 

17.40 

56 

63,364 

I,26o 

4.8018426 

3.IOO3705 

8.2985279 

.OI9885 

16.72 

57 

62,104 

1.325 

4. 793 1 1 96 

3.1222159 

8.3290963 

.021335 

16.05 

58 

60,779 

1.394 

4.7837536 

3.I442628 

8.3605092 

.022936 

15.39 

59 

59.385 

I.468 

4  7736768 

3  1667261 

8.3930493 

.024720 

14.74 

6o 

57,9*7 

1,546 

4.7628061 

3  1892095 

8.4264034 

.026693 

I4.IO 

6i 

56.371 

1,628 

4-75I0557 

3.2116544 

8.4605987 

.028880 

13.47 

62 

54,743 

1,713 

4.7383286 

3  2337574 

8.4954288 

.031292 

12.86 

63 

53,030 

1,800 

4.7245216 

3.2552725 

8.5307509 

.033943 

12.26 

64 

51,230 

1,889 

4.7095244 

3.2762320 

8.5667076 

.036873 

11.67 

65 

49,341 

1,980 

4.6932079 

3.2966652 

8.6034573 

.040129 

II.IO 

66 

47,36i 

2,070 

4.6754209 

3-3I59703 

8.6405494 

.043707 

10.54 

67 

45,291 

2,158 

4.65601 19 

3.3340514 

8.6780395 

.047647 

10.00 

68 

43,133 

2,243 

4.6348097 

3.3508293 

8.7160196 

.O520O2 

9-47 

69 

40,890 

2  321 

4.6116171 

3.3656751 

8.7540580 

.056762 

8.97 

70 

38,569 

2,391 

4  5862384 

3.3785796 

8.7923412 

.061993 

8.48 

7i 

36,178 

2,448 

4.5584446 

3.3888114 

8.8303668 

.067665 

8.00 

72 

33.730 

2,487 

4.5280163 

3.3956758 

8.8676595 

.073733 

7-55 

73 

31,243 

2.505 

4.4947527 

3.3988077 

8.9040550 

.080178 

7.11 

74 

28,738 

2,501 

4.4584565 

3.398II37 

8.9396572 

.087028 

6.68 

75 

26,237 

2,476 

4.4189142 

3.3937506 

8.9748364 

.094371 

6.27 

76 

23,761 

2,431 

4.3758647 

3  3857850 

9.OO99203 

.IO23H 

5.88 

77 

21,330 

2,369 

4.3289909 

3.3745651 

9.O455742 

.III064 

5.49 

78 

18,961 

2,291 

4.2778612 

3.3600251 

9.0821639 

.120827 

5-n 

11 

16.670 

2,196 

4.2219356 

3.3416323 

9. 1 196967 

.131734 

4-74 

14.474 

2,091 

4.1605886 

3.3203540 

9.1597654 

.144466 

4-39 

81 

12,383 

1,964 

4.0928259 

3.2931415 

9.2003156 

.158605 

4-05 

82 

10,419 

I,8l6 

4.0178260 

3-259H58 

9.2412898 

.174297 

3.71 

83 

8,603 

1,648 

3  9346499, 

3.2169572 

9.2823073 

.191561 

3-39 

84 

6.955 

1,470 

3.8422971 

3.1673173 

9.3250202 

•2II359 

3.08 

85 

5.485 

1,292 

3  7391766 

3.1112625 

9.3720859 

.235552 

2.77 

86 

4,193 

1,114 

3.6225249 

3  0468852 

9.4243603 

.265681 

2.47 

87 

3.079 

933 

3.4884097 

2.9698816 

9.4814719 

.303020 

2.18 

88 

2,146 

744 

3.3316297 

2  8715729 

9.5399432 

.346692 

1.91 

89 

1,402 

555 

3. 1467480 

2.7442930 

9-5975450 

.395863 

1.66 

90 

847 

38.5 

2.9278834 

2.5854607 

9.6575773 

•454545 

1.42 

9i 

462 

246 

2.6646420 

2.3909351 

9.7262931 

.532466 

1. 19 

92 

216 

137 

2.3344538 

2  1367206 

9.8022668 

.634259 

.98 

93 

79 

58 

1. 8976271 

1.7634280 

9.8658009 

.734177 

.80 

1    94 

21 

18 

1. 3222193 

1.2552725 

9.9330532 

.857143 

.64 

1    95 

3 

3 

0.4771213 

0.4771213 

O.OOOOOOO 

I. OOOOOO 

•50 

Am.3% 


Comm 


84 


Principles  and  Practice 


Table  No.  XL 

COMMUTATION     COLUMNS,     AMERICAN     EXPERIENCE, 

THREE  PER  CENT. 


Age. 


20 
21 
22 
23 
24 

25 
26 

27 
28 
29 

30 
3i 
32 
33 
34 

35 
36 
37 
38 
39 

40 
4i 
42 
43 
44 

45 
46 

47 
48 

49 

5o 
5i 
52 

53 
54 

55 
56 
57 
58 
59 


Dx 


51290.86 
49408.31 
47592.42 
45840.91 
44I5I-55 

42522.18 
40950.75 
39434-7° 
37972-35 
36561.69 

35200.56 

33887-3I 
32620.31 
31397.62 
30217.37 

29078.18 
27978.68 
26916.88 
25891.58 
24900.95 

23943-93 
23018.84 
22124.74 
21260.10 
20423.80 

19614.20 
18830.34 
18070.51 

i7333-65 
16618.27 

15922.79 

I5245-97 
14586.68 
13943.89 
i33l6-°5 

12703.88 
12104.81 

"518-55 
10944.47 
10381.99 


N 


1 1 78209. 61 
1126918.75 
1077510.44 
1029918.02 
984077.11 

939925.56 
897403-38 
856452.63 
817017.87 
779045.52 

742483.83 
707283.27 
673395-96 
640775-65 
609378.03 

579160.66 
550082.48 
522103.80 
495186.92 
469295.34 

444394-39 
420450.46 
397431.62 
375306.88 
354046.78 

333622.98 
314008.78 
295178.44 
277107.93 
259774.28 

243156.01 
227233.22 
211987.25 
197400.57 
183456.68 

170140.03 
157436.15 
i4533i-34 
133812.79 
122868.32 


388.6481 
376.8064 
365.3248 
354.1923 
343-3984 

332.9328 

323-2357 
313.8211 
304.6807 
296.2185 

287.9907 
279.9910 
272.5900 
265 . 7486 
259-0745 

252.5637 
246.8824 
241.3178 
236.4994 
231.7570 

227.6854 
223.6545 
220.2262 
217.0803 
214.7242 

212.5778 
211 .3715 
210.5390 
210.5155 
2n. 4553 

213.0476 
215.2278 

217.9353 
221 .1132 
224.9048 

229.0523 
233-6946 
238.5926 
243.7062 
249.1682 


-I/, 


16974.0765 
16585.4284 
16208.6220 
15843.2972 
15489. 1049 

15 145. 7065 
14812.7737 
14489.5380 
14175.7169 
13871.0362 

13574. 8177 
13286.8270 
13006.8360 
12734.2460 
12468.4974 

12209.4229 
11956.8592 
1 1709.9768 
1 1468.6590 
11232.1596 

1 1000.4026 
10772. 7172 
10549.0627 
10328.8365 
ioiii .7562 

9897.0320 
9684.4542 
9473.0827 
9262.5437 
9052 .0282 

8840.5729 
8627.5253 
8412.2975 
8194.3622 
7973.2490 

7748.3442 
7519. 2919 

7285.5973 
7047.0047 
6803 . 2985 


Rx 


540028.16398 
523054.08748 
506468.65908 
490260.03708 
474416.73988 

458927.63498 
443781 .92848 
428969.15478 
414479. 61678 
400303.89988 

386432.86368 
372858.04598 
359571. 21898 
346564.38298 
333830-13698 

321361. 63958 
309152. 21668 
297195.35748 
285485.38068 
274016. 72168 

262784.56208 
251784-15948 
241011 .44228 
230462.37958 
220133.54308 

2 1002 1. 78688 
200124.75488 
190440.30068 
180967. 2 1 798 
171.704.67428 

162652.64608 
153812. 07318 
145184. 54788 
136772.25038 
128577. 88818 

1 20604. 639 1 8 
1 1 2856. 29498 

105337.00308 
98051.40578 
91004. 40108 


Comm. 


Am.3% 


Of  Life  Insurance. 

85 

Table  Nc 

>.  XL — Concluded. 

COMMUTATION     COLUMNS,    AMERICAN     EXPERIENCE, 

THREE  PER  CENT. 

Age. 

Dx 

Nx 

Cx 

Mx 

Rx 

60 

9830.432 

112486.331 

254.7644 

6554.1303 

84201 .10258 

61 

9289-343 

102655.899 

260.4633 

6299.3659 

77646.97228 

62 

8758.318 

93366.556 

266.0800 

6038.9026 

71347.60638 

63 

8237.140 

84608.238 

271.4502 

5772.8226 

65308.70378 

64 

7725-774 

76371.098 

276.5746 

5501.3724 

59535. 88118 

65 

7224.175 

68645.324 

281.4546 

5224.7978 

54034.50878 

66 

6732.309 

61421 .149 

285.6776 

4943.3432 

48809.71098 

67 

6250.543 

54688.840 

289.1479 

4657.6656 

43866.36778 

68 

5779-342 

48438.297 

291.7836 

4368.5177 

39208.70218 

69 

5319.228 

42658.955 

293.1361 

4076.7341 

34840.18448 

70 

4871.163 

37339-727 

293.1815 

3783.5980 

30763-45038 

7i 

4436.103 

32468.564 

291.4279 

3490.4165 

26979.85238 

72 

4015.468 

28032.461 

287.4474 

3198.9886 

23489-43588 

73 

3611.065 

24016.993 

281 .0950 

2911.5412 

20290.44728 

74 

3224.793 

20405.928 

272.4720 

2630.4462 

17378.90608 

75 

2858.395 

17181.135 

261 .8916 

2357.9742 

14748.45988 

76 

2513-249 

14322.740 

249.6426 

2096.0826 

12390.48568 

77 

2190.406 

1 1809. 491 

236.1901 

1846.4400 

10294.40308 

78 

1890.417 

9619.085 

221 .7606 

1610.2499 

8447.96308 

79 

1613.596 

7728.668 

206.3737 

1388.4893 

6837.71318 

80 

1360.224 

6115.072 

190.7826 

1182.1156 

5449-22388 

81 

1129.824 

4754.848 

173.9759 

99 t-  333° 

4267.10828 

82 

922.9402 

3625.0237 

156.1803 

8I7.357I 

3275.77528 

83 

739.8781 

2702.0835 

137.6038 

661.1768 

2458.41818 

84 

•  58o-7245 

1962.2054 

119. 1662 

523.5730 

1797. 24138 

83 

444.6441 

1 38 1 .4809 

101 .6860 

404 . 4068 

1273.66838 

86 

330.0073 

936.8368 

85  .12296 

302.72079 

869.26158 

87 

235-2725 

606.8295 

69.21589 

2i7-59783 

566.54079 

88 

159.2040 

37L5570 

53.58706 

148.38194 

348.94296 

89 

100.9799 

212.3530 

38.80993 

94.79488 

200.56102 

90 

59.22884 

in. 37306 

26.13805 

55-98495 

105.76614 

9i 

31-36567 

52.14422 

16.21475 

29.84690 

49.78119 

92 

14.23735 

20.77855 

8.76715 

13-63215 

19.93429 

93 

5 -°555i 

6.54120 

3.60354 

4.86499 

6.30214 

94 

i.3<>473 

1.48569 

1.08577 

1. 26146 

1-43715 

95 

.  18096 

. 18096 

•17569 

.17569 

•17569 

Am.  3* 


Logs 


86 

Principles  and  Practice 

Table  No. 

XII. 

LOGARITHMS    OF 

COMMUTATION    COLUMNS 

,    AMERICAN 

EXPERIENCE,     THREE  PER  CENT. 

Age. 

?.DX. 

*  nx. 

A  Mx. 

I  Rr, 

20 

4.7100401 

6.0712227 

4.2297862 

5.7324164 

21 

4.6938000 

6.0518928 

4.2197268 

5.7185466 

22 

4.6775378 

6.0324217 

4.2097460 

5.7045527 

23 

4.6612533 

6.0128027 

4.1998456 

5.6904266 

24 

4 . 6449460 

5 .9930292 

4.1900265 

5.6761600 

25 

4.6286155 

5-9730935 

4.1802897 

5.6617444 

26 

4.6122618 

5.9529877 

4.1706363 

5.6471697 

27 

4.5958793 

5.9327034 

4.1610546 

5.6324261 

28 

4.5794676 

5.9122316 

4.I5I545I 

5.6175032 

29 

4.5630262 

5.8915629 

4.1421090 

5.6023898 

30 

4.5465496 

5.8706870 

4.1327340 

5.5870740 

3i 

4.53°°372 

5-8495934 

4.1234214 

5.57I5435 

32 

4.5134882 

5.8282705 

4.1141717 

5.5557849 

33 

4.4968967 

5.8067061 

4.1049733 

5.5397839 

34 

4.4802567 

5.7848869 

4.0958143 

5.5235257 

35 

4.4635673 

5.7627991 

4.0866951 

5.5069941 

36 

4.4468273 

5.7404279 

4.0776171 

5.4901724 

37 

4.4300248 

5.7177569 

4.0685562 

5.4730421 

38 

4.4131586 

5.6947693 

4.0595127 

5.4555839 

39 

4. 3962 161 

5.6714464 

4.0504633 

5-4377770 

40 

4.3791955 

5.6477686 

4.0414085 

5.4195999 

4i 

4.3620836 

5.6237149 

4-0323253 

5 .4010284 

42 

4.3448782 

5.5992625 

4.0232138 

5.3820378 

43 

4.3275655 

5.5743866 

4.0140516 

5.3626001 

44 

4.3101366 

5.5490607 

4.0048267 

5.3426863 

45 

4.2925707 

5.5232560 

3.9955050 

5.3222645 

46 

4.2748582 

5.4969417 

3.9860752 

5.3013009 

47 

4.2569705 

5.4700847 

3.9764913 

5.2797589 

48 

4.2388901 

5.4426489 

3.9667303 

5.2575999 

49 

4.2205858 

5.4145962 

3.9567459 

5.2347S22 

5o 

4.2020191 

5-3858850 

3.9464804 

5.2112613 

5i 

4.18315s1 

5-3564718 

3.9358863 

5.1869905 

52 

4.1639566 

5.3263099 

3.9249147 

5  .1619206 

53 

4.  i44384i 

5.2953484 

3.9I35I53 

5.1359981 

54 

4.1243949 

5.2635336 

3.9016354 

5.1091663 

55 

4 .  1039364 

,5.2308064 

3.8892089 

5.0813639 

56 

4.0829581 

5.1971046 

3.8761769 

5-0525259 

57 

4.0613978 

5.1623595 

3.8624653 

5.0225810 

58 

4.0391946 

5.1264977 

3.8480046 

4.9914538 

59 

4.0162806 

5 .0894400 

3.8327196 

4.9590624 

Logs. 


Am.3% 


Of  Life  Insurance. 

87 

Table  No.  XII.- 

-Concluded. 

LOGARITHMS  OF 

COMMUTATION  COLUMNS, 

AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

§ 

Age. 

2.  Dx. 

I  Nx. 

A  Mx. 

X  Rx. 

60 

3.9925727 

5.0510997 

3-8165152 

4.9253177 

61 

3.9679850 

5. 01 13840 

3.7992968 

4.8901245 

62 

3.9424207 

4.9701915 

3.7809580 

4.8533795 

63 

3-9I57765 

4.9274127 

3.7613882 

4.8149712 

64 

3.8879421 

4.8829292 

3.7404710 

4.7747788 

65 

3.8587883 

4.8366110 

3.7180696 

4.7326712 

66 

3.8281641 

4.7883180 

3.6940208 

4.6885062 

67 

3.7959179 

4.7378987 

3.6681684 

4.6421317 

68 

3.7618785 

4.6851889 

3-6403341 

4.5933825 

69 

3.7258486 

4.6300103 

3.6103124 

4.5420805 

70 

3.6876327 

4.5721712 

3-5779050 

4.4880350 

7i 

3.6470017 

4.5114631 

3-5428773 

4.4310395 

72 

3.6037362 

4.4476612 

3.5050128 

4.3708726 

73 

3-5576353 

4.3805188 

3.4641230 

4.3072917 

74 

3.5085019 

4.3097564 

3.4200294 

4.2400225 

75 

3.4561224 

4.2350519 

3-3725390 

4.1687467 

76 

3.4002357 

4.1560261 

3.3214085 

4.0930885 

77 

3.3405246 

4.0722312 

3.2663352 

4.OI26011 

78 

3-2765577 

3-9831338 

3.2068933 

3.9267520 

79 

3.2077949 

3.8881047 

3.1425424 

3.8349108 

80 

3.1336107 

3.7864017 

3.0726601 

3.7363346 

81 

3.0530107 

3.6771366 

2.9962195 

3-6301336 

82 

2.9651736 

3-5593io9 

2.9124119 

3-5i53!4i 

83 

2.8691603 

3.4316988 

2  .8203176 

3-39o6557 

84 

2 -7639703 

3.2927446 

2.7189773 

3.2546063 

85 

2.6480125 

3.1403449 

2.6068184 

3.1050564 

86 

2.5185236 

2.9716640 

2.4810422 

2.9391505 

87 

2.3715712 

2.7830668 

2.3376545 

2-7532312 

88 

2.2019540 

2.5700255 

2.1713809 

2.5427545 

89 

2.0042350 

2.3270585 

1 .9767849 

2.3022465 

90 

1 •7725332 

2.0467803 

1. 74807 14 

2.0243469 

91 

1.4964546 

1 .7172062 

1.4748994 

1.6970653 

92 

1. 1534292 

i-3i76i53 

1. 1 345 644 

1 .  2996009 

93 

2.7037652 

2.8156575 

2.6870823 

2.7994882 

94 

2.1155202 

2.1719282 

2.1008724 

2.1575012 

95 

3-2575850 

3-2575850 

3.2447477 

3.2447478 

Am.3* 


Ann 


Principles  and  Practice 


Table  No.  XIII. 

VALUE  OF  AN  ANNUITY  OF  ONE  DOLLAR  FIRST  PAY- 

MENT IMMEDIATE  AND  NET  SINGLE  PREMIUMS 

PER  81000 

WHOLE  LIFE  INSURANCE,  AMERI- 

CAN   EXPERIENCE,    THREE   PER   CENT. 

Age. 

Annuity 

Net  Single 

Age. 

Annuity 

Net  Single 

Immediate. 

Premium. 

Immediate. 

Premium. 

IO 

24-343° 

290.98 

55 

13.3928 

609.92 

ii 

a  1.2248 

294.43 

56 

13.0061 

621.18 

12 

24.1026 

297.98 

57 

12.6172 

632.51 

13 

23-9765 

3°l-65 

58 

12.2265 

643.89 

14 

23.8463 

3<>5-4S 

59 

II.8348 

655-3° 

15 

23.7119 

309.36 

60 

II.4427 

666.72 

16 

23-573I 

3l3-4° 

61 

11.0509 

678.13 

17 

23.4298 

317.58 

62 

10.6603 

689 . 50 

18 

23.2817 

321.89 

63 

IO.2716 

700.83 

19 

23.1289 

326.34 

64 

9.8852 

712.08 

20 

22.9711 

33° -94 

65 

9.5022 

723.24 

21 

22.8083 

335-68 

66 

9-1233 

734.27 

22 

22.6404 

34°-57 

67 

8-7495 

745 -l6 

23 

22.4672 

345-6i 

68 

8.3813 

755-88 

24 

22.2886 

35°. 8z 

69 

8.0198 

766.41 

25 

22. 1044 

356.18 

70 

7-6655 

776-73 

26 

21 .9142 

361.72 

7i 

7-3I92 

786.82 

27 

21 .7182 

367-43 

72 

6.9811 

796.67 

28 

21.5161 

373.32 

73 

6.6509 

806.28 

29 

21.3077 

379-39 

74 

6.3278 

815.69 

30 

21 .0930 

385-64 

75 

6.0108 

824.93 

31 

20.8716 

392.09 

76 

5.6989 

834.01 

32 

20.6434 

398.73 

77 

5-39I5 

842.97 

33 

20.4084 

4°5.58 

78 

5.0883 

851.80 

34 

20.1665 

412.63 

79 

4.7897 

860.49 

35 

19.9174 

419.88 

80 

4.4956 

869.06 

36 

19.6608 

427-36 

81 

4.2085 

877.42 
885.60 

37 

19.3969 

435.04 

82 

3.9277 

38 

19.1254 

442.95 

83 

3-652I 

893-63 

39 

18.8465 

45I-07 

84 

3-3789 

901.59 

40 

18.5598 

459.42 

85 

3.1069 

909.51 

4i 

18.2655 

468 . 00 

86 

2.8388 

9I7-32 

42 

17.9632 

476.80 

87 

2-5793 

924.88 

43 

17-6531 

485.83 

88 

2.3338 

932.02 

44 

17-335° 

495- IO 

89 

2.1029 

938.75 

45 

17.0093 

5°4-59 

90 

1.8804 

945.23 

46 

16.6757 

514-3° 

91 

I .6625 

95I-58 

47 

16.3348 

524.23 

92 

1-4594 

957-49 

48 

15.9867 

534-37 

93 

1.2939 

962.31 

49 

15-6319 

544-7° 

94 

I. 1387 

966.83 

5o 

15.2710 

555-22 

95 

I .OOOO 

970.87 

5i 

14.9045 

565.89 

52 

I4-5329 

576.71 

53 

14.1568 

587-67 

54 

I3-7765 

^•74 

NetPrems. 


Am.3% 


Of  Life   Insurance 

89 

Table  No. 

XIV. 

NET  ANNUAL  PREMIUMS  PER 

|iooo.  AMERICAN  EXPERI- 

ENCE, 

THREE  PER  CEN1 

Age. 

Whole 

5  Payment 

IO  Payment 
Life. 

15  Payment 

20  Payment 

Endowment 

Life. 

Life. 

Life. 

Life. 

IO  Years.- 

20 

14.41 

71.24 

38.96 

28.34 

23-13 

88.59 

21 

14.72 

72.26 

39-52 

28.75 

23.48 

88.61 

22 

I504 

73-32 

40.II 

29.18 

23-83 

88.64 

23 

15.38 

74.42 

40.71 

29.63 

24.20 

88.67 

24 

15-74 

75-55 

41.34 

3O.O9 

24  59 

88.71 

25 

16. 11 

76.71 

41.98 

30.57 

24.98- 

88.74 

26 

16  51 

77-91 

42.65 

31.06 

25-39 

88.78 

27 

16.92 

79-15 

43-34 

31-57 

25.82 

88.82 

28 

17.35 

80.43 

44-05 

32.09 

26.26 

88.86 

29 

17.81 

81.75 

44.78 

32.64 

26.71 

88.91 

30 

18.28 

83.12 

45-54 

33-20 

27.19 

88.96 

3i 

18.79 

84.52 

46.32 

33-79 

27.68 

89.02 

32 

19.32 

85-97 

47-13 

34-39 

28.19 

89.08 

33 

19.87 

87.47 

47-97 

35-02 

28.72 

89.15 

34 

20.46 

89.01 

48.83 

35-67 

29.27 

89.22 

3§ 

21.08 

90.60 

49-73 

36.34 

29.85 

89.30 

36 

21.74 

92.24 

50.65 

37.04 

30.45 

89-39 

1? 

22.43 

93-93 

51.60 

37.76    . 

31.08. 

89.49 

23.16 

95-67 

52.59 

38.51 

31-74 

89.60 

39 

23.93 

97.46 

53.61 

39-30 

32.42 

89.72 

40 

24.75 

99-31 

54-66 

40.11 

33.14 

89.86 

41 

25.62 

101.21 

55-75 

40  96 

33-90 

90.01 

42 

•   26.54 

103.17 

56.8q 

41.85 

34-69 

90.18 

43 

27.52 

105.18 

58.06 

42.77 

35-53 

90.38 

44 

28.56 

107.26 

59.28 

43-74 

36.42 

90.60 

45 

29.67 

109.40 

60.54 

44.76 

37-35 

90.85 

46 

30.84 

in. 60 

61.85 

45-82 

38.34 

91.14 

47 

32.09 

113.87 

63.22 

46.94 

39-39 

91.47 

48 

33-43 

116. 21 

64.64 

48.12 

40.51 

91.84 

49 

34.85 

118. 61 

66.12 

49-36 

41.69 

92.26 

1    50 

36.36 

121.08 

67.66 

50.66 

42.95 

92.73 

5i 

37-97 

123.61 

69.25 

52.03 

44.3o 

93.26 

1    52 

39-68 

126.20 

70.92 

53.48 

45-73 

93-84 

53 

41-51 

128.87 

72.65 

55-OI 

47-26 

94-50 

54 

43.46 

131.60 

74.46 

56.63 

48.90 

95.23 

9 

45-54 

134.39 

76.34 

58.35 

50.66 

96.04 

47.76 

137.26 

78.31 

60.17 

96.95 

57 

50.13 

140.20 

80.38 

62.11 

97-95 

58 

52.66 

143.22 

82.54 

64.18 

99.07 

59 

55-37 

146.32 

84.82 

66.40 

100.31 

60 

58.27 

149.50 

87.22 

68.77 

101  69 

61 

61.36 

152.77 

89.75 

103.22 

62 

64.68 

156.13 

92-43 

104.93 

63 

68.23 

159.60 

95-28 

106.82 

64 

72.04 

163.19 

98.30 

108.92 

a 

76.11 

166.90 

101.52 

in. 25 

80.48 

170.74 

1    67 

85.17 

174-73 

|    68 

90.19 

178.88 

j    69 

95  57 

183.20 

70 

101.33 

187.69 

Am.3* 


NetPrems 


90 

Principles   and    Practice 

Table  No.  XIV.— Concluded. 

NET  ANNUAL  PREMIUMS  PER  $1000,  AMERICAN 

EXPERI-    j 

ENCE,  THREE  PER  CENT. 

Age. 

Endowment 

Endowment 

Endowment 

Endowment 

Endowment 

15  Years. 

*0  Years. 

25  Years. 

3D  Years. 

35  Years. 

20 

• 
56.49 

40.77 

31.60 

25-73 

21.75 

21 

56.53 

4O.81 

3I-65 

25-79 

21.84 

22 

56.56 

40.86 

31.71 

25.86 

21.93 

23 

56.60 

4O.9O 

31.77 

25-94 

22  03 

24 

56.64 

40.95 

31.83 

26.02 

22.14 

25 

56.69 

41  OI 

3I.9O 

26.11 

22.26 

26 

56.73 

41.07 

31.98 

26.22 

22.40 

2 

56.78 

41-13 

32.06 

26.33 

22.55 

56.84 

4I.20 

32.16 

26.45 

22.72 

29 

56.90 

41.28 

32.26 

26.59 

22.91 

30 

56.97 

41-37 

32  38 

26.75 

23.11 

31 

57-04 

41.47 

32.50 

26.92 

23-34 

32 

57-12 

41.57 

32.65 

27.11 

23.60 

33 

57.21 

41.69 

32.81 

27-33 

23.88 

34 

57-31 

41.82 

32.98 

27.57 

24.19 

36 

57-42 

41-97 

33.18 

27.83 

24-54 

57-54 

42.13 

33.41 

28'.  1 3 

24  93 

11 

57-67 

42.31 

33-66 

28.46 

25.35 

57-82 

42.52 

33-94 

28.83 

25.83 

39 

57-99 

42.75 

34.25 

29.24 

26.35 

40 

58.18 

43-01 

34.60 

29.70 

26.92 

4i 

58.39 

43-31 

34-99 

30.20 

42 

58.64 

43-64 

35-43 

30.77 

43 

58.91 

44  0I 

35.92 

31-39 

44 

59.22 

44-43 

36.46 

32.09 

45 

59-57 

44.90 

37.08 

32.86 

46 

5997 

45-42 

37.76 

% 

60.42 

46.01 

38.52 

60.92 

46.68 

39-36 

49 

61.48 

47-42 

40.30 

50 

62.12 

48.24 

4L34 

5i 

62.82 

49- 1 5 

52 

63.61 

50.17 

53 

64.48 

5I-30 

54 

65-45 

52.55 

55 

66.54 

53-93 

56 

67- 74 

11 

69.07 

70.55 

59 

72.20 

60 

74.02 

S.P. 


Am.3* 


Of  Life 

Insurance. 

91 

Table  No.  XV 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 
20 

In  1 

In  2 

In  3 

In  4 

In  5 

In  6 

In  7 

Year. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

970.87 

942.82 

915.79 

889.76 

864  69 

840.54 

817.29  ! 

21 

970.87 

942.82 

915.80 

889.77 

864.70 

84O.56 

817.31    ! 

22 

970.87 

942.82 

9I5.80 

889.78 

864.71 

840.58 

817.34   J 

23 

970.87 

942.82 

915.80 

889.78 

864.73 

840. 60 

817.37 

24 

970.87 

942.82 

9I5.8I 

889.79 

864.74 

840.62 

817.40 

25 

970.87 

942.82 

915.81 

889.80 

864.76 

840.65 

817.44 

26 

970.87 

942.83 

915.82 

889.81 

864.78 

840.68 

817.47 

27 

970.87 

942.83 

915.82 

889.83 

864.80 

840. 70 

817.51 

28 

970.87 

942.83 

9r5-83 

389.84 

864.82 

840. 73 

817.56 

29 

970.87 

942.83 

915.84 

889.85 

864.84 

840.77 

817.60 

30 

970.87 

942.83 

915.84 

889.86 

864.86 

840.80 

817.65 

31 

970.87 

942.84 

915-85 

889.88 

864.89 

840.84 

817.70 

32 

970.87 

942.84 

91586 

889.90 

864.91 

840.88 

817.76 

33 

970.87 

942.84 

915.87 

889.91 

864.94 

840.93 

817.83 

34 

970.87 

942.85 

915.88 

889.93 

864.98 

840.97 

817.90 

a 

970.87 

942.85 

915.89 

889.95 

865.OI 

841.03 

817.97 

970.87 

942.85 

915.90 

889.98 

865.05 

841.09 

818.06 

3 

970.87 

942.86 

915.91 

89O.OO 

865.IO 

841.15 

818.15    l 

970.87 

942.86 

9I5.93 

89O.03' 

865.14 

8+1.23 

818.25    ' 

39 

970.87 

942.87 

9I5.94 

890.06 

865.20 

841.31 

818.36    i 

40 

970.87 

942.87 

915.96 

89O.IO 

865.25 

84X39 

818.49 

4i 

970.87 

942.88 

915.98 

89O.I4 

865.32 

841.49 

818.63 

42 

970.87 

942.89 

916.00 

890.18 

865.39 

841.60 

818.78  j 

43 

970.87 

942.89 

916.02 

890.23 

865.47 

841.72 

818.95  ! 

44 

970.87 

942.90 

916.05 

890.28 

865.56 

841.86 

819.15  ; 

9 

970.87 

942.91 

916.08 

890.34 

865.66 

842.02 

819.38  1 

970.87 

942.92 

916. 11 

890.41 

865.78 

842.20 

819.63   j 

11 

970.87 

942.93 

916.15 

890.49 

865.91 

842.40 

819.93   ! 

970.87 

942.95 

916.19 

890.58 

866.07 

842.64 

820.26  j 

49 

970.87 

942.97 

916.25 

890.68 

866.24 

842.90 

820.64  j 

50 

970.87 

942.99 

916.30 

890.80 

866.44 

843.20 

821.06 

5i 

970.87 

943.OI 

916.37 

890.93 

866.66 

843-53 

821.53  i 

52 

970.87 

943-03 

916.44 

891.07 

866.90 

843-90 

822.05   1 

53 

970.87 

943-06 

916.52 

891.24 

867.18 

844.32 

822.63  | 

54 

970.87 

943.09 

916.61 

891.42 

867.48 

844.77 

823.27  | 

55 

970.87 

943-12 

916.71 

891/62 

867.82 

845.28 

'823.98   | 

56 

970.87 

943.16 

916.82 

891.84 

868.19 

845.84 

824.76  : 

57 

970.87 

943.20 

916.95 

892.09 

868.60 

846.45 

825.63  i 

58 

970.87 

943-24 

917.08 

892.36 

869.05 

847.I3 

826.57  j 

59 

970.87 

943.29 

917.23 

892.66 

869.55 

847.88 

827.61  j 

60 

970.87 

943  35 

917.40 

893.OO 

870.11 

848.70 

828.75 ! 

61 

970.87 

943.41 

91?  59 

893.36 

870.71 

849.60 

830.00 

62 

970.87 

943.48 

917.79 

893.76 

871.38 

850.59 

831.37 

63 

970.87 

943-56 

918.01 

894.21 

872.11 

851.67 

832.86 

64 

970.87 

943.64 

918.26 

894.69 

872.91 

852.85 

834.49 

6A 

970.87 

943-73 

918.53 

895.23 

873.78 

854.14 

836.26 

66 

970.87 

943.83 

918.83 

895.82 

874.74 

855.55 

838.18 

67 

970.87 

943-94 

919.16 

896.46 

875-79 

857.08 

840.25 

63 

970.87 

944.07 

9I9.52 

897.16 

876.92 

858.73 

842.47 

69 

970.87 

944.20 

919.91 

897.92 

878.15 

860.49 

70 

970.87 

944-35 

920.34 

898.75 

879-47 

1 

Am.3* 


S.P 


92 

Principles 

and   Practice 

Table  No. 

XV. — Contin  ned. 

SINGLE  PREMIUMS 

PER  $1000  ENDOWMENT 

INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT, 

PAYABLE 

AS  STATED. 

InH 

In  9 

In  10 

In  11 

In  12 

In  13 

In  14 

Years. 

Years. 

Years 

Years. 

Years. 

Years. 

Years. 

20 

794.89 

773-33 

752-57 

732.58 

7I3.34 

694.81 

676.98 

21 

794-93 

773-38 

752.63 

732.65 

7I3.42 

694.9I 

677.IO 

22 

794-97 

773-42 

752.69 

732.72 

713.51 

695.01 

677.22 

23 

795-OI 

773-47 

752.75 

732.80 

7I3.60 

695.12 

677-35 

24 

795-05 

773-53 

752.82 

732.88 

713.70 

695.24 

677.49 

11 

795.09 

773-59 

752.89 

732.97 

713.81 

695.37 

677.64 

795-M 

773.65 

752.97 

733.07 

71392 

695.5I 

677.80 

27 

795.  IP 

773.72 

753-05 

733.17 

7I4.05 

695.66 

677.97 

28 

795.25 

773.79 

753-14 

733.28 

714.18 

695.82 

678.16 

29 

795-31 

773.87 

753-24 

733.41 

714.33 

695.99 

678.37 

30 

795.33 

773.95 

753-35 

733-54 

714.49 

696.I9 

678.59 

3i 

795-45 

77405 

753-47 

733-68 

714.67 

696.39 

678.84 

32 

795.53 

774.15 

753-6o 

733.84 

714.86 

696.62 

679.II 

33 

795.01 

774.26 

753-74 

734-OI 

7I5.07 

696.87 

679.40 

34 

795.71 

774.38 

753-89 

734.20 

7I5.30 

697.15 

679-73    1 

35 

795-81 

774.51 

754.o6 

734.41 

715.55 

697.45 

680.09    I 

30 

795.92 

774-66 

754.24 

734.64 

715.83 

697.79 

680.49 

11 

796.05 

774.83 

754-45 

734.90 

716.14 

698.16 

680.93 

796.19 

775-00 

754.68 

735.18 

716.48 

698.57 

681.42 

39 

796.34 

775-20 

754-93 

735-49 

716.86 

699.O3 

681.97 

40 

796.51 

775-42 

755-21 

735.84 

717.29 

699.55 

682.59 

41 

796.69 

775-67 

755-52 

736.23 

717.77 

700.I3 

683.28 

42 

796.90 

775-94 

755-87 

736.67 

718.31 

700.78 

684.06 

43 

797.14 

776.25 

756.27 

737.17 

718.92 

701.52 

684.94 

44 

797.41 

776.61 

756.72 

737-73 

719.62 

702.35 

685.93 

0 

797.72 

777.01 

757-24 

738.37 

720.40 

703.29 

687.04 

798.06 

777-47 

757-82 

739- 10 

721.28 

704.35 

688.29 

% 

798.46 

777-99 

758.48 

739-91 

722.27 

705.54 

689.69 

798.91 

778.57 

759.22 

740.83 

723.38 

706.86 

691.25 

49 

799-42 

779.23 

760.05 

741.85 

724.63 

708.34 

692.99 

50 

799.99 

779-97 

760.98 

743.00 

726.OO 

709.98 

694.9I 

51 

S00.62 

780.79 

762.00 

744.26 

727.53 

711.79 

697.03 

52 

801.32 

781.69 

763.14 

745-65 

729.21 

7I3-78 

699.36 

53 

802.10 

782.69 

764.40 

747-19 

731.06 

715.96 

7OI.9O 

54 

802.95 

783.80 

765.78 

748.89 

733.08 

718.36 

704.69 

u 

803.90 

785.02 

767.30 

750.74 

735.31 

720.97 

707.72 

804.94 

786.35 

768.97 

752.77 

737-73 

723.83 

7II.03 

57 

806.09 

787.82 

770.80 

754-99 

740.38 

726.93 

714.61 

58 

807.35 

789.43 

772.80 

757.42 

743.26 

730.30 

718.49 

59 

808.73 

791.19 

774-98 

760.05 

746.39 

733-94 

722.68 

60 

810.23 

793." 

777-35 

762.92 

749.78 

737-88 

727.18 

61 

811.88 

795-21 

779-93 

766.02 

753-43 

742.11 

732.OO 

62 

813.68 

797.48 

782.73 

769- 37 

757-37 

746.64 

63 

815.64 

799-95 

785.75 

772.98 

761.58 

64 

817.76 

802.63 

789.01 

776.85 

ii 

820.07 

805.51 

792-51 

822.55 

808.60 

67 

825.22 

S.P. 


Am.3* 


Op  L,ife 

Insurance. 

93 

Table  No. 

XV. — Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN   EXPERIENCE,  THREE   PER  CENT, 

PAYABLE  AS  STATED. 

Age. 

20 
21 
22 

23 
24 

In  15 
Years. 

In  16 

Years. 

In  17 

Years. 

In  1* 

Years. 

In  19 
Years. 

In  20 
Years. 

In  21 
Years. 

659.82 
659.96 
660.IO 
660.25 
660.41 

643.31 
643.46 
643.62 
643.79 
643.98 

627.42 
627.59 
627.78 
627.97 
628.18 

612.14 
612.33 
612.54 
612.76 
613.OO 

597.43 
597.65 
597-88 
598.13 
598.40 

583.29 
583.54 
583.80 
584,08 
584.38 

569.70 
569-97 
570.26 

570.57 
57O.9O 

25 
26 
27 
28 
29 

660.58 
66C.77 
660.97 
661.19 
661.43 

644.18 
644.40 
644.63 
644.88 
645.16 

628.41 
628.66 
628.93 
629.22 
629.54 

613.26 
613.54 
613.84 
614.17 
614.54 

598.69 
599.01 
599.36 
599-73 
600. 14 

584.70 
585.06 

585.45 
585.87 
586.33 

57L27 
571.67 
572.IO 

572.57 
573-09 

30 
31 
32 

33 
34 

661.69 
661.98 
662.30 
662.64 
663.02 

645.46 
645.80 
646.16 
646.56 
647.OO 

629.88 
630.26 
630.08 

631.15 
631.66 

614.93 
615.37 
615.85 
616.37 
616.96 

600. 59 
601.08 
601.63 
602  23 
602.90 

586.84 
587.40 
588.02 
588.70 
589.46 

573-66 
574-29 
574-99 

575-77 
576.62 

SI 

s 

39 

663.44 
663.91 
664.43 
665.OI 
665.66 

647.49 
648.04 
648.65 

649.33 
650.08 

632.22 

632.85 
633-56 
634.35 
635.22 

617.61 
618.34 
619.15 
620.05 
621.07 

603.64 
604.47 
605.40 
606.44 
607.59 

590.30 

59!-25 
592-30 
593.48 
594-79 

577.58 
578.65 
579-84 
581.17 
582.65 

40 

4i 

42 

43 
44 

666.39 
667.20 
668.12 
669.16 
670.32 

650.93 
651.89 
652.96 
654.16 
655.5I 

636.21 
637-3I 
638.55 
639.94 
641.49 

622.20 
623.46 
624.88 
626.47 
628.25 

608.89 
610.33 
611.94 
613.74 
615.76 

596.26 
597.89 
599-71 
601.75 
604.01 

584.30 
586.13 
588.18 
590.46 
592.99 

45 
46 

49 

671.62 
673.09 
674.72 
676.54 
678.56 

657.02 
658.72 
660.60 
662.70 
665.02 

643.23 

645-I7 
647.32 
649.72 
652.35 

630.22 

632.43 

634.87 
637.58 
640.55 

617.99 
620  48 
623.23 
626.26 
629.60 

606.52 
609.31 
612.38 
615.76 
619.47 

595-79 
598.89 
602.30 
6^6.05 
610.15 

50 
5i 
52 
53 
54 

680.78 
683.23 
685.91 
688.85 
692.05 

667.57 
670.37 
673.43 
676.77 
680.41 

655.25 
658.43 
661.89 
665.66 
669.76 

643.82 
647.39 
651.27 

655-49 
660.06 

633.25 
637.22 
641.54 
646.22 
651.27 

623.52 
627.92 
632.69 

637.83 
643.38 

614.61 
619.44 
624.67 
630.29 
636.32 

5I 
56 

57 

58 

59 

695-53 
699.31 

703-39 
707.80 

712.55 

684.36 
688.63 
693.24 
698.19 
703.50 

674.I9 
678.97 
684.II 
689.61 

664.98 
670.28 
675.96 

656.70 
662.52 

649.31 

60 

717.62 

Am.3% 


S.P 


94 

Principles 

and  Practice 

Table  No. 

XV. — Contin  ued. 

SINGLE  PREMIUMS 

PER  $1000  ENDOWMENT 

INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 

In  22 

In  23 

In  24 

In  25 

In  26 

In  27 

In  28 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

556.63 

544.06 

531.99 

520.39 

509.25 

498.56 

488.30 

21 

556.93 

544  39 

532.35 

520.79 

509.69 

499.04 

488.82 

22 

557-25 

544-75 

532-74 

521.22 

5IO.I6 

499-55 

489.38 

23 

557-59 

545-13 

533-16 

521.68 

5IO.67 

500.11 

489.99 

24 

557.96 

545-54 

533-62 

522.19 

511.22 

500.72 

490.66 

25 

558.37 

545  99 

534-12 

522  74 

511.83 

501.39 

491.40 

26 

558.82 

546.49 

534.67 

523-34 

512.50 

502.12 

492.21 

3 

559-3Q 

547-02 

535-26 

524.00 

5I3.23 

502.93 

493- 10 

559.83 

547-61 

535-92 

524.73 

5M.04 

503.82 

494-08 

29 

560.41 

548.26 

536.64 

525-54 

514-93 

504.81 

495-16 

30 

£61.05 

548.98 

537-44 

526.42 

5I5.9I 

505.89 

496.36 

3* 

561.76 

549-77 

538.32 

527-40 

5I7.00 

507.10 

497.69 

3* 

562.54 

550.65 

539-31 

528.50 

518.21 

508.44 

499-17 

33 

56341 

551.63 

540.40 

529-7I 

519.56 

509-93 

500.81 

34 

564.38 

552.71 

541.61 

53i.o6 

521.05 

511.58 

502.62 

36 

565.45 

553.92 

542.95 

532.56 

522.71 

513  40 

504.63 

566.06 

555-26 

544-46 

534-22 

524-55 

515-43 

506.86 

3Z 
38 

568.00 

556.76 

546.13 

536.07 

526.60 

517.68 

509.32 

56949 

558.43 

547.98 

538.13 

528.86 

520.17 

512.04 

39 

571-15 

560.28 

550.04 

540.40 

53L37 

522.92 

51504 

40 

573-00 

562.34 

552.32 

542.93 

534.14 

525-95 

518.35 

41 

575.05 

564.63 

554.85 

545.71 

53719 

529.29 

521.97 

42 

577-34 

567.17 

557-66 

548.80 

540.57 

532.96 

525.96 

43 

579.88 

56998 

560.76 

552.19 

544-27 

536.99 

530.31 

44 

582.69 

57309 

564.17 

555-93 

548.35 

541.40 

535-07 

}i 

585.80 

576.51 

567.93 

560.03 

552.80 

546.21 

540.25 

589.22 

580.28 

572.06 

564-52 

557-66 

551-45 

545-87 

9 

592.99 

584.41 

576.56 

569.41 

562.94 

557-12 

551.92 

597-11 

588.93 

581.47 

574.72 

568.66 

563-24 

49 

601.61 

593.84 

586.80 

580.47 

574.82 

50 

606.49 

599-15 

592.54 

586.64 

5i 

611.77 

604.87 

598.71 

52 

617.46 

611.02 

53 

623.56 

S.P. 


Am.3% 


Of    Life 

Insurance. 

95 

Table  No. 

XV. — Concluded. 

SINGLE  PREMIUMS 

PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT 

PAYABLE  AS  STATED. 

Age. 

In  29 

In  30 

In  31 

In  32 

In  33 

In  34 

In  35 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

478.46 

469.02 

459.98 

451-32 

443-03 

435-12 

427.55 

21 

479.02 

469.64 

460.65 

452.05 

443  83 

435.98 

428.49    i 

22 

479.64 

470.31 

461.38 

452.85 

444.70. 

436.92 

429.5I    ! 

23 

480.31 

471.04 

462.18 

453.72 

445-65 

437.96 

430.64    i 

24 

481.04 

471.84 

463.06 

454-68 

446.69 

439-09 

43I-87 

li 

481.85 

472.72 

464.02 

455-73 

447.84 

440.34 

433-23 

482.73 

473.70 

465.09 

456.90 

449  11 

441-73 

434.74 

% 

483.71 

474-77 

466.26 

458.18 

450.51 

443-25 

436.39 

484.79 

475-90 

467.56 

459.60 

452.06 

444-93 

438.21 

29 

485.99 

477.27 

469.OO 

461.17 

453-77 

446.79 

440.23 

30 

487.31 

478.72 

470.58 

462.9O 

455.65 

448.83 

442.44 

31 

488.77 

480  32 

472.34 

464.81 

457-73 

451-09 

444.88 

32 

490.40 

482.IO 

474.28 

466.93 

460.03 

453.58 

447-57 

33 

492.I9 

484.07 

476.43 

469.26 

462.56 

456.31 

450.5I 

34 

494.18 

486.24 

478.79 

471.83 

465.34 

459-31 

453-75 

1? 

496.38 

488.64 

481.40 

474.66 

468.40 

462.61 

457.28 

498.82 

491.30 

484.29 

477.78 

47L77 

466.23 

461.16 

37 

5OI.5I 

494-22 

487.46 

481.20 

475-45 

470.18 

465.38 

38 

504.47 

497-44 

490.94 

484.95 

479-47 

474.48 

469.97 

39 

507.73 

500.97 

494-75 

489.05 

483.86 

479.17 

474-94 

40 

511.32 

504-85 

498.92 

493.52 

488.64 

484.25 

480.32 

41 

515.24 

509.08 

503.47 

498.39 

493.82 

489.74 

42 

5I9-54 

513-70 

508.42 

503.66 

499.42 

43 

524.24 

518.74 

5I3.79 

509.37 

44 

529.35 

524.20 

519.60 

45 

534.89 

530.10 

46 

540.88 

• 

'. 

Am.3* 


O.L. 


96 


Principles  and  Practice 


Table  No.  XVI. 
TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 
CIES  BY   EQUAL  ANNUAL   PREMIUMS   TILL   DEATH, 
AMERICAN  EXPERIENCE,  THREE  PER  CENT. 


Age, 


20 
21 
22 

23 

24 

3 


29 
30 
31 
32 
33 
34 

32 

11 

39 
40 

4i 
42 

43 
44 

8 

49 
50 
5* 
52 
53 
54 

9 
§Z 

59 
60 
61 
62 

3 

69 
70 


1st 

Year. 


2d 

Year. 


7.O9 
7-36 
7.65 
7-95 
8.27 
8.60 
8.94 

9-31 

9.69 

IO.08 

IO.49 

IO.93 

11.39 

II.85 

12.35 

12.88 
13-42 
14.00 
14.58 
15.21 
15.86 

16.55 
17.26 
18.02 
18.79 
19.61 
20.44 
21.31 

22. 2Q 
23.09 
24.OO 

24-93 
25  88 
26.86 
27.85 
28.87 
29.90 
30.96 
32.04 
33.13 
34-23 
35-35 
36.47 
37.01 
33-75 

39-87 
40.98 
42.08 

43-13 
44.18 

4518 


14.40 
1495 
15-54 
16.15 
16/80 

17-47 
18.17 
18.91 
19.67 
2047 
21.31 
22.19 
23.11 
24.06 
25.08 
26.13 
27.23 
28.38 

29.57 
30.83 

32.M 
33-53 
34-97 
36.47 
38.03 

39-65 
41-32 
43-03 
44-77 
46  53 
48.33 
50.17 
52.05 
53-97 
55-92 

57.91 
59-94 
62.01 
64.11 
66.23 

68.37 
70.53 
72.71 
74.90 
77.07 
79.22 

81.34 
83.40 

85-41 
87.36 
89.28 


3d 

Year. 


21.94 
22.79 
23.68 
24  6l 
25-59 
26.61 
27.68 
28.79 
29-95 
31.17 

32.45 
33.78 
35.17 
36.63 
38.16 

39-76 
41.42 
43.16 
44.96 
46.87 

48.85 
50-94 
53  11 
55-37 
57.70 
60.12 
62.60 
65  13 
67.70 
70.30 
72.96 
75-68 

78.45 
81.28 

84.15 
87.08 
90.06 
93.09 
96.15 
99.24 

102.35 
105.48 
108.64 

in. 79 
114.90 

117.96 
120.96 
123.89 
126.72 
129.51 

132.35 


4  th 

Year. 


29.71 
30.86 
32.07 
33-34 
34-66 

36.04 
37.48 
38.98 
40.56 
42.20 

43-92 
45.72 
47.60 
49- 56 
51.62 

53-77 
56.00 

58.33 
60.77 
63.32 

65-99 
68/78 
71.68 
74.68 
77-78 
80.98 
84.24 
87.56 
90.94 
94.36 
97.86 

101.43 
105.06 
108.75 
112. 51 
116.33 
120.21 

124.13 
128.10 
132.09 
136. 11 
140.15 
144.18 
148.19 
152.14 

156.01 
159.80 

I63-47 
167.06 
170.68 
174.50 


5th 

Year. 


37-73 
39.20 

40.73 
42,33 
44.OI 

45.76 
47.58 
49-49 
51-48 
53.56 

55-73 
58.01 
60.39 
62.87 
65.46 
68.16 
70.97 
73-91 
76.98 
80.20 

83-54 

87.04 

90.65 

94.40 

98.25 

102.20 

106.21 

110.31 

114.47 
118.69 

122.99 

127-37 
131.82 

136.35 
140.95 
I45-6I 
150.33 
15509 
159.90 

16473 
169.58 
174.43 
179-25 
184.03 
188.71 
193.29 

197-75 
202.11 
2-6.45 
210.97 
215.86 


6th 

Year. 


46.OI 

47-79 
49.66 
5I.6l 
53.64 
55-77 
57-99 
60.31 
62.73 
6525 
67.90 
70.66 

73-54 
76.53 
79.67 
82.94 

86.34 

89.90 

93.61 

97.48 

101.52 

105.70 

110.03 

114.50 

119.07 

123.74 
128.50 

133.34 
138.25 
14324 
148.31 
153-47 
158.70 
164.02 
169.41 
174.86 
180.36 
185.91 

191.49 
197.10 

202.69 
208.26 
213-79 
219.23 
224.55 

229.74 
23481 
239.84 
245.01 
250.51 
256.55 


7th 

Year. 


54-54 
56.65 
58.86 
61.17 
63.57 
66.09 
68.71 
7i  45 
74-31 
77.29 
80.41 

83.67 
87.05 
90.58 
94.27 

98.11 
102.12 
106.30 
110.65 
115. 18 
119.88 
124.76 
129.79 

134-94 
140  21 

145- 59 
15105 
156.62 
162.26 
167.98 

173.78 
170-67 
185.66 
191.72 
197.84 
204.02 
210.25 
216.52 
222.82 
229.11 

235-37 
241.58 
247.70 
253.72 
259-59 
265.31 
271.00 
276.78 
282.83 
289.39 
296.66 


8th 

Year. 


63-34 
65.79 
68.35 
7I.02 
73.81 
76.72 

79-75 
82.92 
86.23 
89.68 
93.28 

97-03 
100.94 
105.00 
109.25 
113.68 
118.29 
123.09 
128.09 
13327 
138.64 
144.19 
149.88 
I55.70 
161.64 

167.70 
173.86 
1 80. 1 1 
186.44 
192.86 
199.36 
205.96 
212.64 

219.39 
226.19 

233-05 
239-95 
246.89 
253  81 
260. 70 

267.54 
274.29 
280.94 
287.43 
293.78 
300.06 
306  41 
313-01 
320.05 
327.73 
336.20 


O.L. 


Am.3% 


Of  Lifk   Insurance:. 

97 

1 

Table  No.  XVI. — Continwd. 

TERMINAL  NET  VALUES  PER  $1000  OF 

WHOLE  LIFE  POLI- 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

9th 

lOth 

11th 

12th 

13th 

14th 

15th 

16th 

Age 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

72.41 

81.76 

91.40 

IOI.33 

III. 56 

122.09 

132.94 

144. I I 

21 

75-21 

84.91 

94.91 

IO5.22 

115.83 

126.75 

138.00 

149-57 

22 

78.12 

88.20 

98.58 

IO9.27 

120.27 

I3I.6I 

143.26 

155-25 

23 

81.17 

9I.64 

IO2.40 

H3-49 

124.91 

136.66 

148.74 

161. 16 

24 

84.36 

95-21 

106.39 

117.90 

129.74 

I4I.92 

154-44 

167.30 

2§ 

87.67 

98.94 

IIO.55 

122.49 

134  77 

147-39 

160.36 

I73-67 

26 

91.12 

IO2.83 

II4.87 

127.26 

139-99 

153.07 

166.50 

180.29 

27 

94-73 

IO6.88 

II9.38 

132.23 

145-43 

158.98 

172.90 

187.18 

28 

98.50 

III. II 

124.08 

137-40 

151.08 

165.13 

179-54 

194.32 

29 

102.42 

115-51 

128.96 

142.78 

156.96 

171.52 

186.44 

201.73 

30 

106.50 

I20.IO 

134  05 

148.38 

163.08 

178.16 

i93-6i 

209.42 

3* 

110.76 

124.87 

139-35 

154.21 

169.45 

185.05 

201.04 

217-37 

32 

II5-I9 

129.83 

144.86 

160.27 

176.05 

I92.20 

208.72 

225.58 

33 

119. 81 

T35.01 

150.60 

166.56 

182.90 

I99.60 

216.66 

234.05 

34 

124.63 

140.40 

156.56 

173 10 

190.00 

207.26 

224.86 

242.76 

35 

129.65 

I46.OI 

162.76 

179.87 

197.35 

2I5.I6 

233.28 

251.68 

36 

134.86 

I5I-83 

169.17 

186.87 

204.92 

223.28 

241.92 

260.82 

37 

140.29 

157-86 

175.81 

194.10 

212.71 

231  60 

250.76 

270.15 

38 

145-91 

164. 1 1 

182  67 

201.54 

220.70 

240.I2 

259-79 

279.68 

i  39 

151-74 

170.57 

189.72 

209.16 

228.88 

248.84 

269.02 

289.38 

40 

157.76 

177.20 

196.95 

216.97 

237.23 

257.72 

278.40 

299.23 

4i 

163.95 

184.01 

204.35 

224.94 

245-76 

266.77 

287.94 

309.24 

42 

170.28 

190.96 

21L.90 

233.07 

254-44 

275.96 

297.61 

319  36 

43 

176.75 

198.06 

219.60 

241-34 

263.24 

285.27 

307.40 

329-59 

44 

183  34 

205.28 

227.42 

249.72 

272.16 

294.69 

317.29 

339-91 

4§ 

190  06 

212.62 

235-35 

258.22 

281.18 

304  22 

327.27 

350.30 

46 

196.87 

220.06 

243-38 

266.80 

290.30 

3I3.8I 

337-30 

360.73 

47 

203.78 

227.59 

251.50 

275-49 

299.49 

323.47 

347-39 

37I-I9 

48 

210.77 

235.21 

259-71 

284.24 

308.74 

333-18 

357  49 

381.66 

49 

217.85 

242.91 

267.99 

293-05 

318.04 

342.9I 

367.62 

392.13 

50 

225.01 

250.69 

276.34 

301.92 

327-38 

352.68 

377.76 

402.57 

5i 

232.27 

258.55 

284.76 

310.84 

336.76 

362.46 

387.88 

412.97 

52 

239-59 

266.47 

293.22 

319.80 

346.16 

372.23 

397-96 

423.29 

53 

246  98 

274.44 

301.73 

328.79 

355-55 

381.96 

407.97 

433-50 

54 

254.42 

282.46 

310.26 

337.76     364.9° 

391.62 

417.87 

443.58 

55 

261.90 

290. 50 

318.79 

346.70 

374-19 

4OI.I9 

427.64 

453-50 

56 

269.41 

298.53 

327.28 

355-59 

383-38 

4IO.62 

437-25 

463.24 

57 

276.91 

306.54 

335-72 

364-38 

392.46 

419.90 

446.70 

472.86 

58 

284.39 

314-50 

344-^7 

373.05 

40I-37 

429.P2 

456.02 

482.45 

59 

291.81 

322.36 

352.29 

381.55 

410.12 

438.02 

465-32 

492.11  i 

60 

299.13 

330.10 

360.36 

389-90 

418.76 

447-00 

474-71 

501.96  | 

61 

306.35 

337.69 

368.28 

398.16 

427.39 

456.09 

484.30 

512.13  ; 

62 

3I3-42 

345-13 

376.10 

406.41 

436.16 

465.41 

494-25 

522.68  ! 

63 

320.35 

352.49 

383.95 

414.81 

445.18 

475-H 

504.62 

533-69 

#4 

327.18 

359-87 

391-95 

423.49 

454-59 

485.26 

515.47 

545-22 

£5 

334.07 

367-43 

400.25 

432.61 

464.51 

495-93 

526.88 

557-to 

60 

341.17 

375-35 

409.05 

442.27 

475.00 

507.24 

538.71 

569-49 

3 

348.66 

383-79 

418.44 

452.57 

486.18 

519.00 

551-09 

582.59 

356.73 

392.89 

428.52 

463.61 

497.87 

531-37 

564.26 

596-85 

69 

365.53 

402.76 

439-43 

475-24 

510.25 

544.62 

578.68 

612.59 

70 

375.i6 

413-52 

450.98 

487.61 

523.57 

559-21 

594-68 

629.66 

Am.3% 


O.L 


98 

Principles  and   Practice 

Table  No.  XVI.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF 

WHOLE  LIFE  POLI- 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21-t 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

I55.60 

167.42 

179.56 

I92.04 

204.85 

218.OI 

231.51 

245.36 

21 

161.47 

I73-70 

186.27 

I99.I7 

212.43 

226.02 

239.97 

254-25 

22 

167.57 

180.23 

I93.23 

206.59 

220.28 

234-33 

248.72 

263.45 

23 

I73.92 

187.O2 

200.47 

214.27 

228.43 

242.93 

257.78 

272.95 

24 

180.50 

I94.06 

207.98 

222.25 

236.86 

251.83 

267.12 

282.74 

2 

187.34 

20I.37 

215-77 

230.50 

245  59 

261.01 

276.76 

292.81 

I94.44 

208.96 

223.83 

239-05 

254.60 

270.49 

286.68 

303.I5 

3 

201.82 

2I6.S2 

232  18 

247.88 

263.90 

280.24 

296.86 

313.73 

209.47 

224.97 

240.81 

256.99 

273-48 

290. 26 

307.29 

324.56 

29 

217.39 

233.38 

249.72 

266.38 

283.31 

300.51 

317-95 

335-60 

30 

225.58 

242.08 

258.90 

276.02 

293- 39 

311. 01 

328.84 

346.87 

31 

23405 

251.05 

263.34 

285.90 

303.70 

321.72 

339-94 

358.33 

32 

242.77 

200.25 

278. 00 

296.OO 

31422 

332.65 

35L23 

369-97 

33 

251-73 

269.69 

287.90 

306.33 

324.96 

343.76 

362.71 

381.77 

34 

260.93 

279-35 

298.OO 

316.86 

335.89 

355-o6 

374-35 

393.72 

$ 

270.34 

289.22 

308.32 

327.58 

347.00 

366.52 

386.14 

405.81 

279-95 

299.29 

3I8.SI 

338.48 

358.26 

378.13 

398.05 

418.OO 

11 

289.76 

309.54 

329.48 

349-53 

369.67 

389.86 

410.08 

430.27 

299.74 

319.96 

340.29 

360.72 

381.20 

401.70 

422.19 

442.61 

39 

309.89 

330.53 

351-26 

372.04 

392.85 

413.63 

434.36 

454-99 

40 

320.19 

341.24 

362.34 

383-47 

404-58 

425.62 

446.57 

467.38 

4i 

330.62 

352.07 

373-54 

394-98 

416.37 

437.65 

458.80 

479.78 

42 

341.17 

362.99 

384.80 

4^6.55 

428.19 

449.70 

471.02 

492.11 

43 

35i.8o 

374-00 

396.12 

418.14 

440.03 

461.73 

483.19 

504.37 

44 

362.51 

385.04 

407.47 

429-75 

45I-85 

473.70 

495.27 

516.51 

45 

373-26 

396.12 

418.83 

44L35 

463.62 

485.61 

507-25 

528.51 

46 

384.04 

407.21 

430.18 

452.90 

475-32 

497-39 

519.08 

540.32 

47 

394-84 

418.29 

441.48 

464-37 

486.91 

509.04 

530.73 

551-93 

48 

405.62 

429.32 

452.70 

475-73 

498.35 

520.51 

542.17 

563.32 

49 

416.36 

440.28 

463.83 

486.96 

509.63 

531.78 

553-4Q 

574-53 

50 

427.05 

45I.I6 

474-84 

498.04 

520.71 

542.85 

564.47 

58563 

5i 

437-67 

461.92 

485.69 

508.93 

53i.6i 

553-76 

575-44 

596-7I 

52 

448.17 

472.55 

496.37 

519.63 

542-35 

564  59 

586.40 

607.86 

S3 

458.53 

482.99 

506.87 

530.19 

553-02 

575-41 

597-44 

619.16 

54 

468.72 

493.26 

517.22 

540.68 

563.69 

586.33 

608.65 

630.65 

u 

478.74 

503.39 

527-52 

55I-I9 

574-48 

597-43 

620.07 

642.37 

488.63 

513.47 

537.85 

561.83 

585.47 

608.77 

63173 

654.34 

57 

498.48 

523.60 

548.32 

572.69 

596.71 

620.33 

643.69 

666.45 

58 

508.38 

533.89 

559-04 

583-83 

608.25 

632.31 

655-79 

678.76 

59 

518.46 

544-44 

570.05 

595-28 

620.13 

644.40 

668.12 

691.41 

60 

528.83 

555-32 

581.42 

607.12 

632.21 

656.75 

680.84 

704.71 

61 

539.56 

566.58 

593.19 

619.17 

644.58 

669.52 

694.24 

718.85  1 

62 

550.70 

578.28 

605.22 

631.56 

657-42 

683.04 

708.55 

733-70  | 

63 

562.32 

590.28 

617.61 

644-45 

671.04 

697.52 

723.62 

748.89  | 

64 

574-27 

602.67 

630.55 

65S.19 

685.70 

712.82 

739.08 

763.90  1 

00 

586.65 

615  66 

644.41 

673.03 

701.24 

728.56 

754-39 

778.69  I 

599- 70 

629.64 

659-45 

688.84 

717.29 

744-19 

769.50 

793-89 

67 

613.82 

64490 

675.54 

705.21 

733.26 

759-65 

785.08 

80999 

68 

629.30 

661.29 

692.26 

721.54 

749.09 

775-64 

801.65 

82587 

69 

646.02 

678.39 

708.99 

737.73 

765-53 

792.70 

818.02 

838.66 

70 

663.52 

695-54 

725.66 

754-69 

783.12 

809.61 

831.21 

85L45 

O.L. 


Am.3* 


Of   IyiFK   Insurance. 


99 


Table  No.  XVI. — Continued. 
TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 
AMERICAN  EXPERIENCE,  THREE  PER  CENT. 


20 
21 
22 

23 

24 

II 
% 

29 
30 
31 
32 
33 
34 

9 

37 
38 
39 
40 

4i 
42 

43 
44 

45 
46 

47 
48 

49 
50 
5i 
52 
53 
54 

56 
57 
58 
59 
60 
61 
62 

64 

65 
66 
67 
68 
69 
70 


25th 

Year. 


259-54 
268.87 
278  51 
288.44 
298.66 
309.14 

3I9-87 
330.84 
342.04 
353-45 
365.06 
376.85 
388.81 
400.91 
413.15 
425.49 
437.92 
450.41 
462.94 
475-49 
488.02 
500.52 
512.92 
525.22 
537-37 

549-34 
561.09 
572.62 

53397 
595-20 

606.39 
617.64 
629.02 
640.57 
652.33 
664.32 
676.42 
688.70 
701.30 
714.49 
728.48 

743-U 

758.05 

772.79 
787.27 

802.11 

817.78 
833.20 
845.62 
858.02 
869.54 


26th 

Year. 


274.06 
283.82 
293.89 
304.24 
3I4-85 
325-72 
336-83 
348.16 

359-71 
371.46 

383-39 
395  49 
407-73 
420.10 

432.59 
445.16 
457-79 
470.45 
483-I4 
495-8i 
508.44 
520.98 
533-42 
545-7Q 
557-8o 

569-69 
581.36 
592.84 
604.18 
615.48 
626.81 
638.27 
649.88 
661.67 
673.67 

685.76 
698.01 

7io.55 
723.64 

737-47 

751.91 
766.60 
781.07 
795.27 
809.78 

825.04 
840.03 
852.12 
864.14 
875.31 


27th 

Year. 


288.90 
299.08 
309.56 
320.30 
331.30 
342.53 

353-99 
365-67 
377-55 
389.61 
401.83 
414.20 
426.71 
439-32 
452.01 

464-77 
477-56 
490.37 
503-17 
515-91 
528.58 
54I-I4 
553-55 
565-77 
577.78 

589.57 
601.16 
612.62 
624.01 
635-43 
646.95 
658.60 
670.42 
682.44 
694.52 
706.73 
719.20 
732.20 

745.89 
760.13 

774-59 
788.81 
802.73 
816.93 
831.82 
846.41 
858.18 
869.86 
880.69 


28th 

Year. 


304-05 
314.64 
325.50 
336.61 
347-97 
359-55 
37L34 
383.34 
395.52 
407.86 

420.35 
432.97 
445-70 
458.51 
47L38 
484.29 
497-21 
510.12 
522.97 
535-75 
548.42 
560.93 
573-27 
585.39 
597.28 

608.98 
620.54 
632.03 
643-52 
655.10 
666.80 
678.64 
690.66 
702.72 
714.90 
727.31 
740.21 

753-75 
767.81 
782.06 
796.04 
809.71 
823.61 
838.15 
852.36 

863.83 

875.19 
885.71 


29th 

Year. 


3I9- 50 
330.47 
341.69 

353.15 
364.84 

376.75 
388.86 
4OI.14 
413.60 
426.19 
438.92 
451.76 
464.68 
477-65 
490.66 

503.69 
516.69 
529.65 
542.52 
555-29 
567.90 
580.33 
592.55 
604.54 
616.33 
627.98 

639.55 
651.12 
662.75 
674.49 

686.35 
698.37 
710.42 
722.56 
734-91 

747.71 
761. 11 
775.oo 
789.04 
802.80 
816.22 
829.84 
844.05 

857.91 
869.11 

880.17 
890.39 


30th 

Year. 


335-21 
346.53 
358.IO 
369-89 
381.9O 

394- 1 1 
406.50 
419.05 
431-75 
444-58 

457.51 
470.53 
483.60 
496.70 
509.82 

522.92 
535.96 
548.93 
561.77 
574-47 
586.99 
599.29 

611.37 
623.24 

634.97 
646.62 
658.25 
669.94 
681.71 
693.59 
705.61 
717.64 

729-74 
742.03 

754-74 
768.01 
781.73 
795.58 
809. 1 1 
822.31 

835.67 
849.56 
863.10 
874.03 
884.81 
894.76 


31st 

Year. 


351.17 
362.82 

374.71 

386.82 

399- 1 2 
4H. 6l 
424.25 
437.04 
449.96 
462.98 

476.08 
489.24 

502.43 
515.63 

528.81 

54L94 

554.98 
567. 91 
580.68 

593-27 
605.64 
617.80 
629.75 
641.55 
653.26 

664.95 
676.69 

688.50 
700.39 
712.41 
724.41 
736.48 
748.70 
761.32 
774-47 
788.03 
801.69 
815.02 
828.00 
841. 11 

854-7I 
867.94 
878.63 
889.14 
898.84 


32d 

Year. 


367-34 
379-31 
391.51 
403.90 
416.47 
429.20 
442.07 
455-o8 
468.18 
481.36 
494.60 
507.87 
521.14 
534-40 
547.6o 
560.71 

573.71 
586.54 
599-20 
611.64 
623.86 
635.87 
647.73 
659-51 
671.25 

683.03 
694.86 
706. 78 
718.79 
73^.78 
742.80 

754-97 
767.50 
780.53 
793-94 
807.41 
820.55 

833.33 
846.20 

859-53 
872.46 
882.92 
893.19 
902.64 


Am.3* 


O.L. 


IOO 

Principles  and   Practice 

Table  No.  XVI.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Agr. 

33d 

Year. 

34  th 

Year. 

35th 
Year. 

36th 

Year. 

37  th 

Year. 

38th 

Year. 

39th 
Year. 

40th 

Year. 

20 
21 
22 

23 

24 

383.71 
395-99 
408.46 
42I.IO 
433.92 

400.27 
4I2.8I 

425-54 
438.42 

451-45 

416.98 

429-77 
442.71 
455-Si 
469.02 

433-8i 
446.82 
459-97 
473-24 
486.61 

450.74 
463.94 
477.27 
490.70 

504.I9 

467-74 
481.12 

494-59 
508.13 

52I.7I 

484.80 
498.31 
5H.89 
525.52 
539-16 

50I.87    | 

515-49 

529.15 

542.82    , 

556.49  ! 

25 
26 

2 

29 

446.  S7 
459-95 
473-13 
486.39 
499-70 

464.60 
477.84 
49I.I7 
504.54 
517.94 

482.33 
495-72 
509.15 
522.61 
536.07 

500.06 
513-54 
527-05 
540.57 
554-05 

517.73 
53L28 

544.84 
558.37 
571.83 

535.32 
548.91 
562.48 

575-98 
589-38 

552.79 
566.39 

579-92 
593-35 
606.65 

570.12  j 
583.68 

597.14 

610.47 
623.62 

30 
31 
32 
33 
34 

513.03 
526.38 
539-70 

552.90 
566.14 

531-35 
544-73 
558.05 
571.28 
584.40 

549-51 
562.88 
576.16 
589-32 
602.33 

567  47 
580.80 
594.00 
607.04 
619.89 

585.20 
598.44 
6ll. 51 
624.40 
637.06 

602.65 
615.76 
628.67 
64L37 
653-83 

619.79 
632.73 
645.45 
657.93 
670.20 

636.59 
649-32 
661.82 
674.11 

686.22 

12 

37 
33 
39 

579-20 
592.09 
604.81 
617.31 
629.58 

597-35 
6lO.  1 1 
622.66 
634.98 
647.IO 

615.14 

627.73 
640.09 
652.25 
664.24 

632.52 
644.92 
657.11 
669.14 
681.07 

649.50 
661.71 
673.77 
685.72 
697.62 

666.07 
678.15 
690. 1 2 
702.03 
713-93 

682.30 
694.28 
706. 20 
718.10 
730.01 

698.21 
710.14 
722.05 
733.95 

745-86 

40 

4i 
42 

43 
44 

641.65 
653-56 
665.38 

677.17 
688.98 

659.06 
670.92 
682.75 
694.59 
706.47 

676.14 
688  00 
699.86 
711.76 
723-70 

692.94 

704.83 

716.74 
728.68 
740.66 

709.5I 
721.42 
733-36 
745-34 
757-23 

725.84 
737-77 
749-73 
761.60 
773.42 

74L93 
753.87 
765.72 

777-51 
789.32 

757.78 
769.59 

781.35 
793.12 
805.08 

9 

% 

49 

700.85 
712.77 
724.78 
736.75 
748.74 

718.41 
730.41 
742.36 

754-31 
766.37 

735-70 
747.63 
759-55 
77I-56 

783.85 

752.58 
764.47 
776.42 
788.64 
801.24 

769.08 
780.99 

793.15 
805.66 
818.39 

785-29 
797-38 
809.80 
822.42 
835.00 

801.35 
S13.68 
826.21 
838.66 
850.70 

817-34 
829.76 
842.10 
854.01 
865.47 

50 
5i 
52 
53 
54 

760.85 
77330 
786  21 

799-47 
812.78 

778.74 
791-54 
804.66 
817.81 
830.59 

796.55 
809.53 
822.52 

835.I4 
847-35 

814.10 
826.95 
839.4I 
85L45 
863.51 

831.IO 

843-4I 
855.30 
867.17 
879-33 

847.17 
858.91 
870.61 
882.57 
894.06 

862.29 

873.84 
885.61 
896.91 
906.08 

876.86  ! 

888.46 

899.58 

908.60 

917.35 

P 

59 

825.73 
838.31 
85097 
864.03 
876.68 

842.98 
855-42 
868.24 
880.63 
890.67 

859.60 
872.18 
884.33 
894.17 
903.79 

875.87 
887.79 
897.45 
906.87 

g^-so 

891.03 
9OO.52 

909-75 
918.21 

903-39 
912.45 
920.74 

914.98 
923.11 

92533   j 

60 
61 
62 

886.93 
896.96 
90b.  1 9 

9^0.49 
909.51 

912.61 

O.L. 


Am.3% 


Of  L,ifk   Insurance;. 

101 

Table  No.  XVI.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Age. 

tut 

42d 

43d 

44th 

451  h 

46th 

47th 

48th 

Ye^r. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

518.92 

535.92 

552.85 

569.67 

586.34 

602.83 

6i9.II 

635-I4 

21 

532.61 

549.66 

566.59 

583.39 

600.00 

616.39 

632.53 

648.39 

22 

546.32 

563.38 

580.30 

597.03 

613-55 

629.81 

645.78 

661.43 

23 

560.02 

577.07 

593-93 

610.57 

626.96 

643.05 

658.82 

674.23 

24 

573-68 

590.67 

607  45 

623.97 

640  19 

656.08 

671.62 

686.79 

25 

587.26 

604.18 

620.83 

637.I9 

653.21 

668.88 

684.18 

699.II 

26 

600.74 

617.54 

634.04 

650.21 

666.OI 

681.43 

696.  50 

711.25 

% 

614.09 

630.74 

647.05 

662.99 

678.56 

693.76 

708.64 

723.24 

627  27 

643-73 

659.83 

675-54 

690.89 

705.90 

720.64 

735-13 

29 

640.25 

656.50 

672.37 

687.86 

703.03 

717.91 

732.54 

746.97 

30 

653.OO 

669.03 

684.68 

70O.OO 

7I5.03 

729.82 

744-40 

758.77 

31 

665.52 

681.34 

696.82 

7I2.0I 

726.96 

741.69 

756.21 

770.52 

32 

677.82 

693.47 

708.83 

723-94 

738.83 

753-51 

767.98 

782.23 

33 

689.94 

705.48 

720.76 

735-82 

750.67 

765.31 

779-72 

793.79 

34 

701.94 

717.41 

732.65 

747-68 

762.49 

777.07 

791.31 

805.24 

35 

713.87 

729.31 

744-53 

759.52 

774.29 

788.70 

802.80 

816.64 

36 

725.78 

741.19 

756.38 

77L34 

785.95 

800.23 

814.25 

828.14 

37 

737.67 

753-07 

768.23 

783.03 

797-51 

811.72 

825.80 

839.82 

38 

749-56 

764.94 

779-95 

794.63 

809.05 

823.33 

837-55 

851.57 

39 

761.46 

776.70 

791.60 

806.22 

820.72 

835.15 

849-37 

863.14 

40 

773-25 

788.38 

803.23 

817.95 

832.60 

847.04 

861.03 

874.25 

4i 

784.97 

8co.o6 

815.01 

829.90 

844.58 

858.79 

872.22 

884.87 

42 

796.69 

811.90 

827.04 

841.96 

856.41 

870.07 

882.93 

895-32 

43 

808.60 

824.00 

839.19 

853.89 

867.79 

880.88 

893.48 

905-83 

44 

820.77 

836.24 

851.21 

865.36 

878.69 

891-53 

904. 10 

915.81 

4§ 

833.10 

848.36 

862.79 

876.37 

889.45 

902.26 

914.20 

923  93 

46 

845.33 

860.04 

873.89 

887.24 

900.31 

912.48 

922.41 

931.72 

47 

857.12 

871.26 

884.88 

898.23 

910.66 

920.79 

930.29 

938.78 

48 

868.46 

882.38 

896.01 

908.71 

919.07 

928.77 

937-45 

49 

879.71 

893.65 

906.64 

917.23 

927.16 

936.03 

50 

891.14 

904.43 

915.27 

925-44 

934.52 

5i 

902.08 

913-19 

923.60 

932.91 

52 

910.97 

921.65 

931.19 

53 

9I9.57 

929.36 

54 

927.41 

Am.3* 


5Pay.L 


I02 


Principles  and  Practice 


Table  No.  XVII. 

TERMINAL   NET    VALUES    PER  $1000    OF    WHOLE  LIFE 

POLICIES  BY   FIVE  EQUAL    ANNUAL    PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

II 

29 
30 
3i 
32 
33 
34 

11 
U 

39 
40 
4i 
42 
43 
44 

% 

49 
So 
5i 
52 
S3 
54 

11 
11 

59 
60 
61 
62 

64 

65 
66 

8 
69 
70 


1st 
Year. 


66.08 
67.IO 
68.16 
69.24 
70.36 
71.52 
72.71 
73-94 
75.20 
76.50 

77.84 
79.22 
80.64 
82.O9 
83.59 

85.13 
86.7O 

88.33 
89.98 
gi.68 

93.41 
95.19 
97.00 
98.86 
IOO.74 
IO2.67 
IO4.60 
IO6.57 
IO8.54 
UO.51 
II2.48 
II4.44 
II6.4O 
II8.34 
120.24 
122.13 
123.96 
I25.76 

127.51 
129.18 

130.78 
132.29 
I33-7I 
I35.03 
136.23 

137.29 
I38.20 
138.95 
I39-50 
139.87 
I4O.OI 


2d 
Year. 


134.64 
136.72 
138.87 
I4I.O9 
143.38 

145.74 
148.16 
I50.66 
153.24 
155.89 
158.62 
161.44 
164.32 
I67.29 
170.35 

173.49 
176.7I 
180.OI 

183.39 
186.85 

I9O.39 
I94.O3 
197.74 
20I.52 

205.37 
209.28 
213.25 
217.26 
221.29 
225.32 
229.36 
233.40 
237.42 
241.42 
245-38 
249.29 

253.13 
256.90 
260.57 
264.12 

267.53 
270.80 

273.90 
276.81 
279.49 
281.92 
284.09 
285.95 
287.49 
288.67 

289.45 


3d 

Year. 


205.77 
208.96 
212.25 
215.64 
219.14 
222.75 
226.46 
230.29 

23423 
238.29 

242.47 

246.77 
251.I9 

255.74 
260.42 

265.22 
270.I5 
275.20 
280.38 
285.69 
291.12 
296.69 
302.38 
308.18 
314.08 
320.08 
326.17 
332.31 
338.50 
344.72 
350.90 
357-21 
363.46 
369.69 
375.88 
382.OI 
388.07 
394-03 
399-88 
405.58 
411. 12 
416.46 
42I.60 
426.49 
43I.O9 

435.38 

439-32 
442.88 
446.02 
448.72 

450.98 


4th 

Year. 


279,58 
283.92 
288.40 
293.02 
297.77 
302.68 

307.73 
312.94 
3I8.30 
323.83 

329.51 
335.36 
341.38 
347.58 
353-94 
360.48 
367.19 
374-07 
38I.I3 
388.37 

395-79 
403.38 
411. 14 
419.05 
427.II 

435.30 
443-61 
452.02 
460.50 
469.06 

477.67 
486.31 
494.98 
503.64 
512.29 

52O.9O 
529-46 

537-93 
546.29 

554-51 
562.58 
570.47 
578.14 
585.56 
592.70 

599-52 
606. CO 
612.09 

617.79 

623.08 
628.00 


lOPay.L. 


Am.3* 


Of   L/iFF   Insurance. 

io3 

Table  No.  XVIII. 

TERMINAL   NET   VALUES   PER  $1000  OF   WHOLE   LIFE 

POLICIES    BY    TEN    EQUAL    ANNUAL    PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

— _ . 1 _ 1 

1st 

2d 

3d 

4th 

5  th 

6th 

rth 

8th 

9th    ! 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

32.57 

66.34 

IOI.35 

137.65 

I75.30 

214-35 

254-85 

296.85 

340.43 

21 

33-U 

67.44 

IO3.04 

139.95 

178.23 

217.93 

259.IO 

301.81 

346.12! 

22 

33-67 

68.58 

IO4.78 

142.32 

181.24 

22I.6I 

263.49 

306.92 

351.98! 

23 

34-25 

69.76 

IO6.58 

144.76 

184.35 

225.42 

268.OI 

3I2.I8 

358.02 ! 

24 

34.85 

70.98 

IO8.44 

147.28 

187.56 

229.33 

272.66 

317-61 

364.24 

25 

35.46 

72.23 

HO.34 

149.87 

190.85 

233-36 

277-45 

323-I9 

370.64 

26 

36.09 

73-51 

112. 31 

152.53 

194.24 

237-51 

282.39 

328.94 

377-23 

27 

36.74 

74.83 

114-33 

155.27 

197-74 

241.78 

287.46 

334-85 

384.02 

28 

37-41 

76.20 

116.40 

158.IO 

201.34 

246.17 

292.68 

340.93 

391.00 

29 

38.10 

77-59 

118.54 

161.OO 

205.03 

250.69 

298.05 

347.19 

398.17 

30 

38.81 

79.04 

120.75 

163.99 

208.83 

255-33 

303-57 

353-61 

405.53 

31 

39-54 

80.52 

123.01 

167.05 

212.73 

260.IO 

309.24 

360.21 

413-10 

32 

40.29 

82.04 

125.32 

17O.2O 

216.74 

265.OO 

3I5-05 

366.98 

420.86 

33 

41.05 

83.60 

127.71 

173-43 

220.85 

270.02 

321.02 

373-92 

428.83 

34 

41.84 

85.21 

130.15 

176.75 

225.06 

275.16 

327.I3 

381.04 

437-00 

35 

42.65 

86.85 

132.66 

180.15 

229.38 

280.43 

333-39 

388.34 

445-37 

36 

43.48 

88.53 

135.22 

183.62 

233.79 

285.82 

339.80 

395.8i 

453-94 

II 

44-33 

90.25 

I37-84 

187.17 

238.31 

29I.34 

346.36 

403.44 

462.70 

45.18 

92.00 

140.51 

190.80 

242.93 

296.99 

353-o6 

411.24 

471-64! 

39 

46.07 

93.8o 

143-25 

194.51 

247.65 

302.75 

359-90 

419.20 

480.76 

40 

46.97 

95-63 

146.05 

198.30 

252.46 

308.62 

366.86 

427.30 

490.04 

41 

47.90 

97.51 

148.91 

202.17 

257-37 

314-59 

373-94 

435-53 

499.46 

42 

48.84 

99-43 

151.82 

206.10 

262.35 

320.66 

381.13 

443-86 

509.00 

43 

4981 

101.37 

154.77 

210. 08 

267.39 

326.79 

388.38 

452.28 

,518.65 

44 

50-77 

103.34 

157.76 

214.11 

272.49 

332.98 

395.69 

460.77 

528.39 

4§ 

51-77 

105.33 

160.78 

218.18 

277.61 

339-18 

403.03 

469.31 

538.21 

46 

52.76 

107.34 

163.80 

222.23 

282.72 

345-39 

4io.39 

477-88 

548.07 

47 

53.76 

109  35 

166.82 

226.28 

287.83 

35i-6o 

417-75 

486.46 

557.96 

48 

54-75 

in- 33 

169.81 

230.29 

292.89 

357-77 

425.08 

495.03 

567.87 

49 

55-73 

113.28 

172.75 

234.25 

297.91 

363.89 

432  37 

503-57 

577-77 

50 

56.69 

115. 21 

175-66 

238.18 

302.88 

369.95 

439-59 

512.05 

587.64 

Si 

57.63 

117. 10 

178.53 

242.03 

307.77 

375-93 

446.73 

520.47 

597  46 

52 

58.56 

118.97 

181.34 

245.82 

312.57 

381.81 

453.78 

528.79 

607.21 

53 

59-47 

120.79 

184.09 

249.52 

317.27 

387.57 

460.69 

536.98 

616.86 

54 

60.35 

122.55 

186.75 

253-10 

321.83 

393-18 

46745 

545-Q2 

626.37 

P 

61.20 

124.25 

189.31 

256.58 

326.25 

398.62 

474.02 

552.88 

635.74 

62.01 

125.89 

191.79 

259-91 

330.50 

403.86 

480.38 

560.54 

644.92 

57 

62.79 

127.45 

194.15 

263.09 

334-55 

408  88 

486.50 

567.96 

653.9" 

58 

63-54 

128.93 

196.37 

266.08 

338.38 

413-65 

492.36 

575-09 

662.62 

59 

64.23 

130.31 

198.43 

268.87 

341.96 

418.13 

497.89 

581.92 

671.07 

60 

64.87 

I3L57 

200.33 

271-45 

345-28 

422.29 

503.08 

588.39 

679.20 

61 

65-45 

132.72 

202.06 

273.79 

348.29 

426.10 

507.88 

594-47 

686.98 

62 

65.98 

133  76 

203.61 

275.86 

350.98 

429-53 

512.25 

600.13 

694.39 

63 

66.44 

134.66 

204.93 

277.64 

353-29 

432.51 

516.16 

605.30 

701.39 

64 

66.84 

135.40 

206.01 

279.09 

355-18 

435-OI 

5I9-52 

609.97 

707.98 

65 

67-13 

135-95 

206.80 

280.14 

356.60 

436.96 

522.31 

614.10 

714.17 

Am.3% 


15Pay.L 


104 

Principles 

and   Practice 

Table  No.  XIX. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Age. 
20 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

21.55 

43-87 

66.99 

90.95 

115.78 

I4L52 

168.I9 

21 

21.93 

44-65 

68.19 

92.58 

117.86 

I44.05 

I7I.20 

22 

22.33 

45-46 

6943 

94.27 

I20.00 

I46.66 

I74.30 

23 

22.74 

46.30 

70.71 

96.OO 

I22.20 

I49.36 

177-49 

24 

23.17 

47.17 

72.03 

97-79 

I24.48 

152.13 

180.78 

3 

23.61 

48.06 

73-39 

99-63 

126.82 

154-97 

184.16 

24.05 

48.97 

74.78 

101.52 

I29.2I 

157.91 

187.64 

27 

24-52 

499I 

76.22 

103.46 

I3169 

160.93 

191.22 

28 

25.OO 

50.88 

77.69 

I05-47 

134-23 

164.03 

194.90 

29 

25.49 

51.88 

79.21 

I07.53 

136.84 

167.21 

198.68   ■ 

30 

2599 

52.91 

80.78 

109.64 

139-53 

170.49 

202.56   ' 

31 

26.51 

5397 

82.38 

in. 81 

142.29 

173.85 

206.54  1 

32 

27.05 

55-04 

84.03 

114.04 

145.12 

177.29 

210.61 

33 

2759 

56.15 

85-72 

116.33 

148  02 

180.82 

214.78 

34 

28.15 

57-30 

87.46 

118.68 

150.98 

184.43 

219.05 

Si 

28.74 

58.47 

89.24 

121.08 

15403 

188.12 

223.42   1 

29.32 

59-67 

91.05 

123-53 

157.13 

191.90 

227.89 

11 

29.94 

60.89 

92.9I 

126.03 

160.31 

I95-76 

232.45   1 

30.55 

62.14 

94.81 

128.60 

163.55 

199.71 

237.11 

39 

31.19 

6342 

96.76 

131.23 

166.88 

203.74 

241.86 

40 

31.83 

6474 

98.75 

133-92 

170.27 

207.85 

246.69 

41 

32.50 

66.09 

IOO.81 

136.67 

173-73 

212.02 

251-59 

42 

33-19 

67.48 

IO2.89 

139-47 

177.24 

216.25 

256.54 

143 

33.89 

68.88 

IO5.OI 

142.30 

180.79 

220.52 

261.51 

1  44 

34.60 

70.31 

IO7.15 

145.16 

184.36 

224.78 

266.47 

9 

35-33 

71-75 

IO9.32 

148.04 

187.93 

229.04 

271.42 

36-05 

73-21 

1 1 1.48 

150.90 

191.48 

233-27 

276.32  ! 

% 

36.79 

74-67 

II3.64 

153.73 

194.99 

237-45 

281.18  j 

37-52 

76.10 

II5.76 

156.53 

19845 

241.57 

285.96  | 

49 

38.23 

77-50 

II7.84 

159-27 

201.85 

245.62 

290.65    ! 

50 

38.93 

78.89 

II9.89 

161.98 

205.19 

249-59 

295.24 

Si 

39-63 

80.26 

121.92 

164.63 

208.47 

253-47 

299.72 

52 

40.32 

81.61 

123  qo 

167.24 

211.66 

257-25 

30409 

S3 

41  00 

82.93 

I25-85 

169.77 

214.77 

260.93 

308  32 

S4 

41.66 

8423 

127.74 

172.24 

217.79 

264.47 

3I2-38 

11 

42.31 

85.49 

129.58 

174.64 

220.71 

267.88 

316.27 

42-9-1 

86.72 

I3I-38 

176.95 

223.50 

271.13 

319.96 

U 

43-57 

87.93 

133-12 

179.17 

226.18 

274.22 

323.46 

44- 19 

89  10 

134-79 

181.30 

228.71 

277-14 

326.74 

59 

44.73 

90.23 

136.38 

183  3i 

231.10 

279.87 

329- 76 

60 

45-35 

91.30 

I3790 

185.21 

233-33 

282.36 

332.49   ; 

15Pay.L. 


Am.3% 


Of  IviFis 

Insurance. 

I05 

Table  No.  : 

KXX.— Concluded. 

TERMINAL  NET 

VALUES 

PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Age. 

8th 

9th 

lOth 

llth 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year,      j 

20 

I95-83 

224.48 

254-17 

284.96 

316.88 

349-97 

384.29 

21 

199-33 

228.49 

258.71 

290.04 

322  53 

356.21 

391-13 

22 

202.93 

232.61 

263.38 

295.28 

328.34 

362.62 

398-I7 

23 

206.65 

236.87 

268.19 

3OO.66 

334-32 

369.22 

405.4I 

24 

210.47 

241.25 

273.I4 

306  20 

340.48 

376.01 

412.86 

25 

214.41 

245.74 

278.23 

3II.90 

346.80 

382.99 

420.51 

26 

218.45 

250.37 

283.46 

317-75 

353-3Q 

390.15 

428.37 

3 

222.60 

255-I3 

288.84 

323-77 

359-97 

397-51 

436.43 

226.88 

260.02 

294.36 

329.94 

366.82 

405.06 

444.71 

29 

-231.27 

265.03 

300.02 

336.27 

373.84 

412.80 

453.19 

30 

235.78 

270.17 

305.82 

342.76 

381.04 

420.73 

461.89 

3i 

24O.38 

275-45 

311.77 

349  41 

388.42 

428.87 

470.80 

32 

245.II 

280.84 

317-86 

356.22 

395-97 

437.18 

479-91 

33 

249.94 

286.37 

324.09 

3^3-19 

403-69 

445.68 

489.21 

34 

254-90 

292.02 

330.48 

370.3I 

411.58 

454-35 

498.70 

li 

259-96 

297.81 

336.99 

377  58 

419.62 

463.19 

508.37 

265.14 

303.70 

343-63 

384.98 

427.80 

472.18 

5I8.I8 

11 

270.42 

309.72 

350.39 

392.51 

436.12 

481.30 

528.13 

275.81 

315.84 

357-27 

400. 1 5 

444-54 

490.53 

538.20 

39 

281.28 

322.06 

364.24 

407.88 

453-o6 

499-85 

548.37 

40 

286.84 

328.36 

37L28 

415.68 

461.64 

509.25 

558.63 

4i 

292.47 

334.72 

378.38 

423.53 

470.28 

518.71 

568.96 

42 

298.13 

34i.io 

385.50 

431-41 

478.94 

528.20 

579-34 

43 

303.81 

347-49 

392.62 

439-30 

487.62 

537-71 

589-74 

|44 

309.48 

353.87 

399.73 

447.16 

496.27 

547-21 

600.15 

145 

315.12 

360.22 

406.81 

454-99 

504.89 

556.68 

610.54 

46 

320.72 

366.51 

4I3.82 

462.75 

513-44 

566.09 

620.90 

47 

326.25 

372.73 

420.74 

470.42 

521,91 

575.42 

631.19 

!  48 

3-3I-69 

378.85 

427.56 

477.98 

530.26 

584.65 

641.39 

49 

337.02 

•384.85 

434-25 

485.39 

538.47 

593.73 

651.47 

50 

342.24 

390.72 

440.79 

492.65 

546.51 

602.66 

661.42 

5i 

347-34 

396.43 

447.  J  6 

499-72 

554-36 

611.40 

671.21 

52 

352.29 

401.98 

453-33 

506.58 

561  99 

619.92 

680.79 

53 

357-06 

407.32 

459.28 

5I3.I9 

569.37 

628.19 

690.15 

54 

361.64 

412.43 

464.97 

5I9-54 

576.45 

636.17 

699.26 

55 

366.OI 

4I7.3I 

47040 

525-57 

583.22 

643.84 

708.07 

56 

370.16 

421.92 

475-51 

53126 

589.62 

651.14 

716.56 

P 

374.06 

426.23 

480.28 

536.58 

595.62 

658.06 

724.71 

377-68 

430.21 

484.67 

54L48 

601.19 

664.54 

732.48 

59 

380.98 

433.83 

488.64 

545.91 

606.27 

670.56 

739.89 

60 

383.95 

437.02 

492.14 

549-83 

610.82 

676.10 

746.92 

Am.3* 


20  Pay.  L 


1 06 

Principles 

and   Practice 

Table  No.  XX. 

TERMINAL    NET 

VALUES    PER  $] 

[ooo  OF 

WHOLE  LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE.  THREE  PER  CENT. 

Age. 
20 

1st 

2d 

3d 

4  th 

5  th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

16.15 

32.86 

50.I6 

68.07 

86.62 

IO5.84 

125-73 

21 

16.46 

33-49 

51.12 

69.38 

88.29 

IO7.87 

I28.I4 

22 

16.78 

34-14 

52.12 

70.74 

9O.OI 

IO9.96 

I30.63 

23 

17.II 

34-82 

53-15 

72.13 

OI.78 

112.13 

I33.I9 

24 

17-45 

35.52 

54-22 

73-57 

1 93.*6i 

114-35 

135.82 

2 

17.81 

36.24 

55-31 

75o6 

95-49 

II6.64 

138.54 

18.17 

36.97 

56.44 

76.58 

9742 

II9.OO 

I4L33 

27 

18.55 

37-74 

57.60 

78.15 

99.42 

121.43 

144.20   | 

28 

18.94 

38.52 

58.79 

79-77 

IOI.47 

123.92 

147.15 

29 

19-33 

39-33 

60.02 

81-43 

103.57 

126.48 

I50.I9 

30 

19.74 

40.17 

61.30 

83-14 

105.74 

129.13 

153.31 

31 

20.17 

41.03 

62  60 

84.90 

IO7.98 

131-83 

I56.5I 

32 

20.61 

41.91 

6393 

86.71 

IIO.26 

134-62 

159-79 

33 

21.05 

42.81 

65.32 

88.57 

112.62 

137.47 

163.15 

34 

21.51 

43-75 

66.74 

90.49 

H5.03 

140  40 

166.60 

P 

22.00 

44.72 

68.20 

92.46 

117.52 

14340 

170.14 

22.48 

45-71 

69.69 

94-47 

I20.05 

146.48 

173.76 

a 

22.99 

46.72 

71.23 

96.53 

122.66 

149-64 

177-49 

23.50 

47-77 

72.81 

98.66 

125-34 

152.88 

181.29 

39 

24.04 

48.84 

74-44 

100.85 

128. IC 

156.20 

185.19 

40 

24.58 

49-95 

76.11 

103.10 

130.92 

159-60 

189.16 

41 

25.16 

51.10 

77-85 

105.42 

133-82 

163.08 

193-20 

42 

25-75 

52.29 

79.62 

107.78 

136.77 

166.61 

I97.30 

43 

26.36 

53-50 

81.44 

110.20 

139.78 

170.19 

201.42 

44 

26.97 

54-74 

83.29 

112.65 

142.81 

173-77 

205.55 

ji 

27.62 

56.00 

85.17 

H5-I3 

145.86 

177-37 

209.67 

28.26 

57.28 

87.07 

117. 61 

148.90 

180.95 

213.77 

47 

28.92 

58.58 

88.97 

120.09 

151.93 

184.51 

217.85 

48 

29.58 

59.87 

90.86 

122  55 

154.94 

188.05 

221.87 

49 

30.23 

61.15 

92.73 

124.99 

157.93 

I9I-55 

225.86 

50 

30.89 

62.42 

94.61 

127-43 

160.90 

195.02 

229.80 

51 

31-54 

63.71 

96.49 

129.87 

163.87 

198.47 

233.70 

52 

32.21 

65.01 

98.37 

132.31 

166.82 

201.90 

237-57 

53 

32.88 

66.31 

100.27 

134-75 

169.76 

205.30 

241-39 

54 

33-56 

67.61 

102.16 

137.18 

172.69 

208.67 

245-15 

55 

34-24 

68.Q3 

104.06 

139.62 

175.61 

212.02 

248.86 

°F  THE 


20Pay.LCv'BS,T' 


Am.3% 


Of  Lifk  Insurance. 

107 

Table  No.  XX. — Continued 

TERMINAL 

NET  VALUES   PER  $1000  OF   WHOLE   LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE 

THREE 

PER  CENT. 

Age. 

8th 

9th 

10th 

11th 

12  th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

146.33 

167.67 

189.76 

212.64 

236.35 

260.90 

21 

149.13 

170.87 

I93-38 

216.69 

240.84 

265.85 

22 

I52.02 

174.17 

I97.II 

220.86 

245.46 

270.93 

23 

154.99 

177-57 

200.95 

225.15 

250.21 

276.17 

24 

158.05 

181.07 

204.89 

229.56 

255.IO 

281.55 

25 

l6l. 21 

184.66 

208.95 

234.09 

26o.  1 2 

287.07 

26 

164.44 

188.36 

213.12 

238.75 

265.28 

292.73 

27 

167.77 

192.16 

217.40 

243.53 

270.56 

298.55 

28 

171. 19 

196.06 

22I.8o 

248.43 

275-99 

304.50 

29 

I74.70 

200.07 

226.31 

25346 

281.54 

310.60 

30 

178.32 

204.18 

230  94 

258.61 

287.23 

316.85 

31 

I82.02 

208.40 

235.67 

263.88 

293.06 

323.24 

32 

185.81 

212.71 

240.52 

269.28 

299.O2 

329.77 

33 

189.69 

217.13 

245.49 

274.81 

3O5.II 

336.44 

34 

193.68 

221.66 

250.58 

280.46 

311.34 

343.24 

3I 

197.77 

226.31 

255.78 

286.24 

317.68 

350.I6 

36 

2OI.95 

231.05 

261.IO 

292.II 

324.13 

357.18 

37 

206.23 

235.90 

266.51 

298.09 

330.67 

364.27 

38 

2I0.60 

240.83 

272.OI 

304-I5 

337-28 

37L42 

39 

2I5.06 

245.86 

277.60 

310.28 

343-94 

378.62 

40 

2I9.60 

250.96 

283.23 

316.44 

350.63 

385-84 

4i 

224.21 

256. TO 

288.90 

322.63 

357-34 

393.06 

42 

228.85 

261.27 

294.58 

328.82 

364.03 

400.26 

43 

233.50 

266.43 

300. 26 

335-00 

370.70 

407.41 

44 

238.15 

27L59 

3059I 

341.13 

377.31 

414.49 

4§ 

242.78 

276.72 

311.52 

347-21 

383.84 

421.49 

46 

247.38 

28I.80 

3I7.06 

353-20 

390.28 

428.37 

47 

251-94 

286.83 

322.53 

359  « 

396.62 

435-12 

48 

256.44 

29I.78 

327.9I 

364.90 

402  81 

441-71 

49 

260.88 

296.64 

333-19 

370.57 

408.85 

448.12 

50 

265.26 

301.44 

338.37 

376.11 

4H.73 

454-34 

5i 

269.59 

306.I5 

343-43 

381.50 

420.43 

460.36 

52 

273.85 

310.77 

348.37 

386.74 

425.96 

466.15 

53 

278.O4 

315.28 

353-18 

39x-8i 

43L27 

471.69 

54 

282.I4 

319.69 

357.85 

396.71 

436.36 

476.95 

55 

286.17 

323.99 

362.37 

401.39 

441.19 

481.92 

Am.3% 


20Pay.L 


1 08 

Principles  and 

Practice 

Table  No.  XX.- 

-Concluded. 

1 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES   BY 

TWENTY 

EQUAL 

ANNUAL 

PREMIUMS, 

AMERICAN  EXPERIENCE, 

THREE  TER  CENT. 

14th 

15th 

16th 

17th 

18th 

19th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

286.33 

312.68 

339-98 

368.26 

397-57 

427.94 

21 

291-75 

318.58 

346.38 

375-18 

405.02 

435.95 

22 

297.32 

324.65 

352.97 

382.29 

412.68 

444-16 

23 

303-05 

330.89 

359-72 

389.59 

420.53 

452.60 

24 

308.93 

337-29  • 

366.66 

397.08 

428.59 

461.25 

3 

314-97 

343-86 

373-77 

404.76 

436.85 

470.12 

32I.I6 

350.59 

381.06 

412.62 

445-32 

47919 

3 

327.51 

357-49 

388.54 

420.69 

453-99 

488.49 

334-OI 

364.56 

396.19 

428.93 

462.85 

497-97 

29 

340.67 

37I.80 

404.01 

437-36 

471.89 

507.65 

30 

347-49 

379-19 

412.01 

445-97 

481.12 

517-52 

31 

354.46 

386.75 

420.16 

454-73 

490.51 

527.54 

32 

361.57 

394-45 

428.46 

463-64 

500.03 

537.70 

33 

368.82 

402.30 

436.90 

472.68 

509.69 

547-99 

34 

376.20 

410.27 

445.46 

481.83 

519.45 

558.39 

35 

383.70 

418.33 

454-11 

491.07 

529-3I 

568.89 

36 

391.28 

426.48 

462.83 

500.39 

539-24 

579-47 

37 

398.93 

434.69 

471.61 

509.76 

549-23 

590.10 

38 

406.63 

442.94 

480.43 

5I9-J7 

559-25 

600.77 

39 

414.36 

45L23 

489.27 

528.59 

569.28 

611.47 

40 

422.11 

459-51 

498.11 

538.00 

579-31 

622.16 

4i 

429.85 

467.78 

506.92 

547-39 

589-30 

632.82 

42 

437-55 

475-99 

515-68 

556.71 

599.24 

643.44 

43 

445- 20 

484-15 

524-36 

565.96 

609. 10 

653-97 

44 

452.76 

492.20 

532-93 

575.09 

618.84 

664.41 

45 

460  22 

500.15 

54L38 

584.08 

628.45 

674- 73 

46 

467-55 

507.94 

549-66 

592.90 

637.89 

684.90 

8 

474-73 

515.55 

557-75 

601.53 

647.14 

694.88 

481.72 

522.96 

565-63 

609.94 

656.16 

704.66 

1 49 

488.50 

530.15 

573.27 

618.08 

664.92 

714.19 

50 

495.o8 

537-10 

580.63 

625.94 

673.40 

723.46 

51 

501.41 

543-77 

587.69 

633  48 

681.55 

732-44 

52 

507.47 

550.14 

594-42 

640.67 

689.36 

741.09 

53 

513-25 

556.18 

600.78 

647-47 

696.78 

749.41 

54 

518.70 

561.84 

606.74 

653.85 

703.79 

757.38 

55 

523.79 

567.10 

612.25 

659.78 

710.39 

765.04 

lOYr.End. 


Am.3* 


Of 

LlFK 

Insurance. 

109 

Table  No.  XXI. 

TERMINAL  NET  VALUES  PER  $1000  OF  TEN-YEAR  ENDOW- 

MENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

9th     ! 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

84.IO 

171.36 

261.9I 

355-88 

453-42 

554-63 

659..80 

768.95 

882.29 

21 

84.08 

171.32 

261.86 

355.83 

453-37 

554.62 

659-75 

768.90 

882.26 

22 

84.06 

171.29 

261.82 

355-78 

453.31 

554.56 

659.69 

768.85 

882.23 

23 

84.OI 

171.20 

261.78 

355-73 

453-25 

554-50 

659.63 

768.80 

882.20 

24 

84.O3 

171.23 

261.74 

355-67 

453-19 

554-44 

659.57 

768.75 

882.17 

25 

84.02 

I7I.20 

261.69 

355-62 

453-12 

554-36 

659.50 

768.70 

882.13 

26 

83.99 

171. 16 

261.64 

355-55 

453-05 

554.29 

659-43 

768.64 

862.IO 

27 

83.97 

I7LI3 

261.58 

355-48 

452-97 

554.21 

659-35 

768.57 

882.06 

28 

83.96 

171.09 

261.52 

355-41 

452.90 

554-12 

659.27 

768.50 

882.OI 

29 

83.93 

171.04 

261.46 

355-34 

452.80 

554-03 

659.18 

768.42 

881.96 

30 

83.9I 

171.OO 

26l. 41 

355-26 

452.71 

553-93 

659.08 

768.34 

881.9I 

31 

S3.S9 

170.96 

261.34 

355-17 

452.61 

553-83 

658.98 

76S.26 

881.86 

32 

83.87 

170.90 

261.26 

355-^8 

452.51 

553-7* 

658.86 

768.16 

881.80 

33 

83.83 

170.85 

26l.l8 

354-98 

452.39 

553-58 

658.74 

768.05 

881.73 

34 

83.81 

170.80 

26I.IO 

354.87 

452.26 

553-45 

658.60 

767.93 

881.65 

n 

83.78 

170.74 

26I.02 

354.76 

452.13 

553.29 

658.45 

767.80 

881.57 

83-74 

170.67 

260.9I 

354-62 

451-97 

553-13 

658.29 

767.66 

881.48 

37 

83.71 

170.60 

260.80 

354-48 

451.80 

552-94 

658.II 

767-5I 

881.38 

38 

83.67 

170.51 

260.67 

354-32 

451.61 

552.75 

657.91 

767.34 

881.28 

39 

83.03 

170.42 

260.55 

354.16 

451.42 

552.53 

657.70 

767.15 

881.15 

40 

83.58 

170.33 

260.41 

353.98 

451.21 

552.30 

657.47 

766.95 

88I.02 

41 

83.54 

170.24 

260.28 

353.8o 

450.99 

552.05 

657.21 

766.72 

880  86 

42 

83-49 

170.15 

260.13 

353.6o 

450.75 

55L78 

656.93 

766.46 

880.69  | 

43 

83-45 

170.05 

259.98 

353-39 

450.48 

55L47 

656.60 

766.16 

880.50  | 

44 

83.39 

169.94 

259.80 

353  15 

450.18 

55LI2 

656.23 

765.83 

880.28 

45 

83.34 

169.82 

259.61 

352.88 

449-83 

550.71 

655.80 

765.44 

880.02 

46 

83.27 

169.68 

259-38 

352.55 

449-41 

550.23 

655.3I 

765.OO 

879-73 

% 

83.21 

169.53 

259.II 

352.17 

448.93 

549-68 

654.74 

764.50 

879.41 

83.12 

169.32 

258.7S 

351-7' 

448.37 

549-°5 

654.IO 

763.93 

879-03  ! 

49 

83.OI 

169.07 

258.39 

35i.i8 

447.72 

548.32 

653.36 

763.28 

878.62  i 

50 

82.87 

168.78 

257.94 

350.58 

446.99 

547.51 

652.53 

762.55 

878.15  1 

51 

82.7I 

168.45 

257.43 

349  9° 

446.16 

546.59 

651.60 

761.74 

877.62 

52 

82.54 

168.09 

256.86 

349-14 

445.24 

545-56 

650.57 

760.83 

877-03 

53 

82.35 

167.67 

256.22 

348.28 

444.20 

544-41 

649.41 

759-82 

876.37  ! 

54 

82.12 

167.20 

255.50 

347-33 

443.o6 

543.14 

648.13 

758.69 

875.65 

55 

81.87 

166.68 

254.70 

346.27 

44L79 

541-73 

646.70 

757-44 

874.83  1 

56 

81.59 

166.IO 

253  83 

345-11 

440.37 

540.16 

645.II 

756.04 

873-93  ! 

57 

81.29 

165.48 

252.86 

343-82 

438.81 

538.43 

643.35 

754.50 

872.92  ! 

58 

80.96 

164.78 

251-79 

342.39 

437.^9 

536.51 

641.42 

752.79 

871.81  | 

59 

80.59 

164.OI 

250.61 

340.82 

435.19 

534-40 

639.28 

750.89 

870.56  I 

60 

80.I9 

163.17 

249.31 

339-  to 

43311 

532.07 

636.90 

748.78 

869.18  ' 

61 

79-74 

162.24 

247.90 

337.22 

430.82 

529.50 

634.28 

746.45 

867.65 

62 

79.27 

161.25 

246.37 

335-i6 

428.31 

526.68 

631.39 

743-86 

865.95 

63 

78.75 

160.17 

244.69 

332.90 

425-54 

523-56 

628.18 

741.00 

864.05 

64 

78.20 

158.98 

242.85 

330.42 

422.48 

520.10 

624.63 

737.81 

861.95 

65 

77-57 

157-66 

240.80 

327-65 

419.09 

516.25 

620.66 

734-27 

859-63 

Am.3% 


15Yr.End. 


no 

Principles 

and   Practice 

Table  No.  XXII. 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN-YEAR  EN- 

DOWMENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,   AMERICAN    EXPERIENCE, 

THREE  PER  CENT. 

|Age. 
20 

1st 

2d 

3d 

4th 

5th 

Gth 

7  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

50.78 

I0345 

158.09 

214.77 

273.58 

334-61 

397-95    l 

21 

50.77 

IO3.42 

158.05 

214.73 

273.53 

334-55 

397-88 

22 

50.75 

IO3.40 

158.02 

214.69 

273.48 

334-49 

397.81 

23 

50.74 

IO3.38 

157-99 

214.65 

273.43 

334-43 

397-74 

24 

50.74 

I03.37 

I57-96 

214.60 

273.38 

334-37 

397.66 

2| 

50.73 

103.35 

157-93 

214.56 

273  32 

334.30 

397.59    i 

26 

50.72 

IO3.32 

157.90 

214.52 

273.26 

334.23 

397.51 

% 

50.7I 

IO3.31 

157-86 

214.47 

273.21 

334-16 

397.42 

5O.70 

IO3.28 

157.83 

214-43 

273.I5 

334.o8 

397-33 

29 

50.69 

IO3.26 

157.80 

214.38 

273.08 

334-O0 

397-24 

30 

50.68 

IO3.24 

157-77 

214.33 

273.02 

333-93 

397-14 

31 

50.67 

IO3.23 

157-73 

214.28 

272.96 

333.84 

397-04 

32 

50.66 

IO3.20 

157.69 

214.23 

272.88 

333-75 

396.93 

33 

50.65 

IO3.18 

157-66 

214.18 

272.81 

333.65 

396.81 

34 

50.64 

IO3.16 

I57.63 

214.13 

272.74 

333.56 

396.68 

M 

50.64 

I03-T5 

157-60 

214.07 

272.66 

333-45 

396.55 

50.63 

IO3.13 

157.56 

214.02 

272.57 

333-34 

396.41 

8 

50.63 

103. 1 1 

157-53 

213.96 

272.50 

333-24 

396.28 

50.62 

IO3.IO 

I57.50 

213. 91 

272.42 

333-14 

396.15 

39 

50.63 

IO3.09 

157.48 

213.87 

272.37 

333.04 

396.02 

40 

50.63 

IO3.O9 

157.47 

213.85 

272.31 

332.96 

395.89 

4i 

50.64 

103. 1 1 

157.49 

21385 

272.28 

332.88 

395-76 

42 

50.66 

IO3.14 

I575I 

213.85 

272.25 

332.80 

395.62 

43 

5O.69 

IO3.18 

157-55 

213.86 

272.22 

332.72 

395-45 

44 

50.72 

103.22 

157.58 

213.87 

272.18 

332.59 

395.23 

9 

50.76 

103.28 

157.62 

213.88 

272.II 

332.43 

394.96 

50.79 

103.32 

I57.65 

213.85 

271.99 

332.21 

394.63 

47 

50.84 

IO3.37 

157-66 

213.79 

271.84 

331-94 

394-23 

48 

50.87 

IO3.4O 

I57-63 

213.68 

271.62 

331.60 

393-75 

49 

50.89 

IO3.39 

157.57 

213.52 

271.36 

331.19 

393-19 

5o 

50.89 

I03.37 

157.49 

213-34 

271.04 

330.72 

392.54 

5i 

5O.9I 

103.34 

157.38 

213.12 

270.68 

330.18 

391.82 

52 

5O.9I 

103.31 

157.26 

212.87 

270.26 

329-58 

391.02 

53 

50.91 

IO3.26 

157.12 

212.59 

269.80 

328.92 

390.13 

54 

5O.9I 

IO3.20 

156.95 

212.27 

269.29 

328.18 

389.14  1 

55 

5O.9I 

IO3.I3 

156.77 

211.92 

268.74 

327.38 

388.06  1 

56 

50.90 

IO3.06 

156.57 

211.55 

268.13 

326.49 

386.87  1 

12 

5O.9O 

102.99 

156.37 

211. 15 

267.48 

325.54 

385.60 

50.90 

IO2.92 

156.16 

210.72 

266.77 

324.51 

384.21   i 

59 

5O.9O 

IO2.85 

155-92 

210.25 

266.OI 

323.40 

382.70  : 

60 

50.91 

IO2.76 

I55.67 

209.75 

265.19 

322.19 

381.04 

15Yr.End. 


Am.3* 


Of  Life; 

Insurance. 

III 

Table  No. 

XXII. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN- YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL 

ANNUAL  PREMIUMS 

TILL   MATURITY,  AMERICAN    EXPERIENCE, 

THREE 

PER  CENT. 

Age. 

Wth 

Year. 

9th 

Year. 

lOth 

Year. 

llth 

Year. 

12th 

Year. 

13th 

Year. 

14th 

Year. 

20 
21 
22 

23 

24 

463.68 
463.60 

463-53 
463.44 
463.36 

53L9I 
531.83 
531-75 
531.66 

53L57 

602.74 
602.66 
602.58 
602.49 
602.40 

676  28 
676.21 
676.13 
676.04 
675.95 

752.66 
752.59 
752.51 
752.43 
752.35 

831.98 
831.92 
831.86 
831.80 
831.73 

914.38 
9H.35 
9I4.3I 
914.27 
914.23 

26 
27 
28 
29 

463.28 
463.19 
463.O9 
462.99 
462.88 

531.48 
53L38 
531-28 
53I-I6 
53I.05 

602.30 
602.19 
602.08 
601.97 
601.84 

675.85 
675.75 
675  64 
675.52 
675.39 

752.26 

752.17 
752.06 

751.96 
751.83 

831.66 
831.58 
831.50 
831.41 
831.31 

914.19 

914.14 
914.O9 
914.03 
9I3.97 

30 
31 
32 
33 
34 

462.77 
462.65 
462.52 

462.37 
462.22 

530.92 
530.78 
530.63 
530.47 
530.30 

601.70 
601.56 
601.39 
60I.22 
601.04 

675.25 
675.IO 
674.94 
674.76 
674-57 

75I-70 

751.56 
75I.40 
75L24 
75I.06 

831.20 
831.08 

830.95 
830.81 
830.66 

913.91 
913.83 
913.75 
9I3.67 
9!3.57 

% 

37 
38 
39 

462.07 
461.9I 
461.74 
461.58 
461.41 

530.I3 
529.94 
529.75 
529.54 
529.33 

600.85 
600.64 
600.42 
600.18 
599.93 

674.37 
674- 1 5 
673-92 
673.66 
673.38 

750.86 
750.65 
750.4I 
750.15 
749.86 

830.49 
830.30 
830.IO 
829.87 
829.61 

913.46 

9J3.34 
913.20 

913-05 
912.88 

40 

41 
42 

43 
44 

461.23 
461.04 
460.82 
460.56 
460.24 

529.IO 

528.84 

528.54 
528.19 

527.77 

599-65 
599-33 
598.96 
598.53 
598.04 

673.06 
672.70 
672.28 
671.81 
671.26 

749-53 
749.16 
748.74 
748.26 
747.71 

829.32 
828.99 
828.61 
828.19 
827.71 

912.69 
912.48 
912.23 
911.97 
911.65 

45 
46 

47 
48 

49 

459.86 
459.41 
458.87 
458.25 
457-53 

527.29 
526.72 
526.07 
525.30 
524.43 

597-47 
596.80 
596.04 
595.17 
594-19 

670.63 
669.91 
669.09 
668.16 
667.11 

747.08 
746.37 
745.56 
744.64 
743-61 

827.16 

826.54 
825.85 
825.06 
824.17 

911.30 
910.91 
910.46 
909.95 
9°9  39 

So 
5i 
52 
53 

54 

456.71 
455.80 
454.78 
453-66 
452.41 

523.46 

522.37 
52I.I6 
5I9.82 
518.33 

593.o8 
59!.85 
590.48 
588.97 
587.29 

665.94 
664.63 
663.17 
661.56 
659.78 

742.46 
741.18 
739-75 
738.17 
736.42 

823.18 
822.08 
820.85 
819.49 
817.97 

908.76 
908.05 
907.27 
906  39 
905.42 

5I 
56 

57 

58 

59 

45L05 
449.56 

447-95 
446.18 
444.25 

5I6.7I 
514.93 
512.99 
510.86 

508.53 

585.46 
583.43 
581.22 

578.79 
576.10 

657.82 
655.66 
653-29 
650.66 

647.76 

734.48 
732-34 
729.98 
727-37 
724.48 

816.29 

814-43 
812.37 
810.09 
807.56 

904  34 
903.13  1 
901.80 
900.32 
898.68 

60 

442.14 

505.95 

573  14 

644.54 

721.26 

804.74 

896.85 

Am.3* 


20Yr.End 


112 

Principles 

and   Practice 

Table  No.  XXIII. 

TERMINAL  NET  VALUES  PER  $1000  < 

OF  TWENTY-YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

» 

THREE 

PERCENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

34-46 

70.18 

107.22 

I45.63 

185.47 

226.79 

269.65 

21 

34-45 

70.I7 

IO7.20 

I45.6I 

185.44 

226.76 

269.61 

22 

34-45 

70.16 

IO7.I9 

I45.60 

185.42 

226.73 

269.57 

23 

34-44 

70.16 

IO7.I9 

145.59 

185.4I 

226.71 

269.54 

24 

34-45 

70.16 

IO7.I9 

145  58 

185.40 

226.69 

269.51 

5 

34-45 

70.16 

IO7.19 

I45.58 

185.39 

226.67 

269.49 

34-45 

70.16 

IO7.19 

145.57 

185.38 

226  65 

269.47 

3 

34-45 

70.17 

IO7.I9 

145.57 

185.38 

226.65 

269.45 

34-46 

70.18 

107.20 

145-59 

185.38 

226.64 

26943 

29 

34.46 

7O.I9 

107.21 

i45-6o 

185.39 

226.64 

269.43 

30 

34-47 

70.2I 

IO7.24 

145.62 

185.41 

226.66 

269.43 

31 

34-49 

70.23 

IO7.27 

I45.65 

185.44 

226.68 

269.45 

32 

34.51 

70.26 

107.30 

145.69 

185.48 

226.72 

269.47 

33 

34.52 

70.29 

I07.35 

145.75 

185  54 

226.77 

269.51 

34 

34-55 

70.34 

107.41 

145.83 

185.61 

226.84 

269.57 

3 

34-59 

70.40 

IO7.5O 

I45-91 

185.71 

226.93 

269.66 

3462 

70  47 

107.58 

146.02 

185.82 

227.05 

269  77 

9 

34.67 

70.55 

IO7.70 

146.15 

185.97 

227.21 

269.93   | 

34- 72 

70.65 

IO7.82 

146.31 

186.15 

227.4I 

270.13   1 

39 

34.78 

70.76 

107.99 

146.52 

186.39 

227.66 

270.38 

40 

34.85 

70.9O 

IO8.19 

146.77 

186.67 

227.95 

270.67 

41 

3495 

71.08 

IO8.44 

147.06 

187.OI 

228.30 

271.OI    : 

42 

35-05 

71.28 

108.72 

147.41 

187.38 

228.69 

271-38 ! 

43 

.  35.18 

71.51 

IO9.04 

147-79 

187.80 

229.12 

271.78 

44 

35-31 

71.77 

IO9.38 

148.20 

188.25 

229.56 

272.18 

? 

35.48 

72.05 

IO9.78 

148.66 

188.73 

230.02 

272.59 

35-64 

72.36 

IIO.I9 

i49-!3 

189.21 

230.49 

273  00 

tl 

35-82 

72.69 

IIO.61 

149.61 

189.71 

230.96 

273-41 

36.02 

73-02 

1 1 1.04 

150.09 

I9O.21 

231-44 

273.82 

49 

36.21 

73  36 

III. 48 

150.59 

I9O.73 

231.92 

274.24 

50 

36.41 

73.71 

III.94 

151. 12 

I9I.27 

232.44 

274.68 

5i 

36.62 

74.10 

II2.45 

151-69 

I9I.87 

233.OO 

275-15 

52 

36.85 

74-52 

II3.00 

152.32 

I92.50 

233.60 

275.67 

53 

37" 

74.96 

113.59 

152.99 

I93.2O 

234.27 

276.24 

54 

37.38 

75.45 

II4.22 

153-71 

I93.96 

234-99 

276.86 

55 

37.68 

75.98 

II4.92 

154.52 

I94.80 

235.79 

277.54 

20Yr.End 


Am.3% 


Of  L,ife   Insurance. 

113 

Table  1 

SPo.  XXIII 

— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN. 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE. 

THREE  PER 

CENT. 

8th 

9th 

10th 

llth 

iath 

13th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3i4.II 

360.24 

408.IO 

457.76 

509  31 

562.82 

21 

314.06 

360.18 

408.03 

457-69 

509.24 

562.73 

22 

314.02 

360.12 

407.97 

457  62 

509.I5 

562.64 

23 

3I3-98 

360.08 

407.91 

457-55 

509.07 

562.56 

24 

313-94 

360.03 

407.85 

457-48 

508.99 

562.46 

25 

.113-91 

359-98 

407.79 

457-41 

508.90 

562.37 

26 

3I3-87 

359-93 

407.73 

457-33 

508.81 

562.26 

% 

3I3.84 

359.89 

407.67 

457.26 

508.72 

562.15 

3I3-82 

359-85 

407.62 

457-18 

508.63 

562.04 

29 

3I3.80 

359-82 

407.56 

457  11 

508.53 

561.92 

30 

313-79 

359  79 

407.5I 

457.03 

508.43 

56l.8o 

31 

313.78 

359-77 

407.47 

456.97 

508.34 

561.69 

32 

313-79 

359-75 

407.44 

456.91 

5C8.26 

561.58 

33 

3'3-8i 

359-76 

407.41 

456.86 

508.18 

561.47 

34 

3X3-86 

359-79 

407.42 

456.84 

508.13 

561.38 

35 

313-94 

359-85 

407.45 

456.84 

508.08 

561.28 

36 

314.04 

359-93 

407.5I 

45685 

508.04 

561.19 

37 

314.19 

360.05 

407.59 

456.88 

508  02 

561.09 

38 

3H.37 

360.20 

407.70 

456.93 

507.99 

560.98 

39 

314.60 

360.40 

407.84 

456.99 

507.96 

560.85 

40 

3I4-87 

360.62 

407.98 

457.05 

507.91 

560.69 

4* 

3I5-I8 

360  86 

408.14 

457.09 

507.84 

56o.  50 

42 

3I5-50 

361. 11 

408  28 

457-12 

507.74 

560.27 

43 

3I5-83 

36i  35 

408.41 

457.13 

507.61 

559-99 

44 

316.16 

361.58 

40S.53 

457-IO 

507  42 

559-65 

45 

316.50 

361.81 

408.62 

457-04 

507.I9 

559-24 

46 

316.82 

362.00 

40S.68 

456.92 

506.90 

558.77 

47 

3I7-I3 

362.20 

408.70 

456.77 

506.55 

558.22 

48 

317  44 

362.36 

408.69 

456.56 

506.13 

557.58 

49 

317  74 

362.51 

408.66 

456.31 

505.64 

556.85 

50 

318.05 

362.66 

408.61 

456.03 

505.IO 

556.05 

5i 

318.40 

362.83 

408.55 

455-71 

504  51 

555-17 

52 

318.77 

363  01 

408.49 

455-37 

503  87 

554-22 

53 

319  19 

363.21 

408.43 

455-02 

503.18 

553-18 

54. 

31964 

363.43 

408.37 

454.64 

502.43 

552.05 

55 

320.14 

363.69 

408.33 

454-23 

501.62 

550.81 

Am.3*> 


20Yr.End 


114 

Principles   and 

Practice 

Table  No.  XXIII. 

— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT 

POLICIES 

BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE 

THREE  PER 

CENT. 

. 

Age. 

14th 

15th 

16th 

17th 

ISth 

19th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

618.37 

676.06 

735-97 

798.21 

862.88 

930.IO 

21 

618.28 

675-97 

735-88 

798.13 

862.82 

930.06 

22 

618.19 

675.87 

735.78 

798.04 

862.74 

930.02 

23 

618.09 

675.77 

735.68 

797-95 

862.67 

929.97 

24 

617.99 

675.66 

735-58 

797.84 

862.58 

929.92 

25 

617.88 

675.54 

735.46 

735-33 

797-73 

862.49 

929.87 

26 

617.76 

675.42 

797.61 

862.40 

929.81 

27 

617.64 

675.29 

735-20 

797.49 

862.29 

929.74 

28 

617.51 

675.15 

735.o6 

797-35 

862.18 

929.67 

29 

617.38 

675.OO 

734-91 

797-21 

862.05 

929.59 

30 

617.24 

674.85 

734-75 

797.05 

861.92 

929.5I 

31 

617. II 

674.70 

734.58 

796.89 

861.77 

929.41 

32 

616.97 

674.53 

734.40 

796.71 

86l.6l 

929.30 

33 

616.83 

674.36 

734-21 

796.50 

861.43 

929.19 

34 

616.69 

674.19 

734-OI 

796.29 

861.23 

929.05 

9 

6l6.55 

674.OO 

733-77 

796.05 

86I.OI 

928.9I 

616.39 

673.78 

733-52 

795-77 

860.77 

928.74 

37 

6l6.22 

673.54 

733-23 

795-47 

860.49 

928.56 

38 

6l6.02 

67327 

732.90 

795-12 

860.18 

928.35 

39 

615.79 

672.96 

732.53 

794-73 

859.82 

928.12 

40 

615.53 

672.61 

732.12 

794-29 

859-43 

927.86  ! 

4i 

615.23 

672.21 

731.64 

793.8o 

858.98 

927.57 

42 

614.87 

671.74 

73i-io 

793.23 

858.48 

927.24 

43 

614.45 

671.20 

730.48 

792.60 

857.91 

926.86  i 

44 

613.96 

670.58 

729.78 

791.88 

857.27 

926.45 

i 

613.4O 

669.88 

728.99 

791.06 

856.55 

925.98 

612.74 

669.08 

728.09 

790.15 

855.74 

925.45 

47 

612.OO 

668.17 

727.07 

789.12 

854-84 

924.86 

48 

6ll. 15 

667.15 

725-93 

787-97 

853.82 

924.20 

49 

6I0.20 

666.OI 

724.67 

786.69 

852.69 

923.46 

50 

609.15 

664.75 

723-27 

785.27 

85L43 

922.64 

Si 

608.OO 

663.36 

721.72 

783.70 

850.04 

921.72 

52 

606.74 

661.83 

720.02 

781.96 

848.49 

920.70 

53 

605.36 

660.17 

718.15 

780.04 

846.78 

919.58 

54 

603.86 

658.33 

716.08 

777.92 

844.88 

918.33 

55 

602.19 

656.29 

713.78 

775.56 

842.78 

916.95 

25Yr.End. 


Am.3* 


Of   Life   Insurance. 

"5 

Table  No.  XXIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 

1st 

2<1 

3d 

4th 

5  th 

6th 

7th 

8th 

Age 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

24.94 

50.78 

77-57 

IO5.32 

I34-IO 

163.93 

194.85 

226.91 

21 

24.94 

50.79 

77.58 

105.34 

134-12 

163.95 

I94.87 

226.93 

22 

24.95 

50.80 

77.60 

I05.37 

134-15 

163.98 

I94.9I 

226.96 

23 

24.96 

50.83 

77.63 

105.41 

134.19 

164.03 

194-95 

227.OI 

24 

24.97 

50.86 

77.67 

I05.45 

134.25 

164.08 

195.01 

227.07 

25 

25.OO 

5089 

77.71 

IO5.51 

134.31 

164.15 

195.09 

227.15 

26 

25.OI 

50.92 

77.76 

I05.57 

134.38 

164.24 

195.18 

227.23 

27 

25.03 

50.97 

77-83 

IO5.65 

134.48 

164  35 

195-29 

227.35 

28 

25.06 

5I.02 

77.90 

I05-75 

134.60 

164.47 

I95.42 

227.50 

29 

25.O9 

51.08 

77-99 

IO5.87 

134.73 

164.62 

195-59 

227.67 

30 

25.13 

5I.I6 

78.11 

I06.OO 

134.89 

164.81 

195.80 

227.89 

31 

25.18 

51.25 

78.23 

IO6.17 

I35.09 

165.O4 

196.04 

228.14 

32 

25.24 

51.35 

78.38 

IO6.36 

I35.32 

165.30 

196.32 

228.44 

33 

25.29 

51.47 

78.56 

IO6.59 

135.59 

1 65-.  6  ■ 

196.66 

228.79 

34 

25.37 

51-62 

78.77 

106.86 

135- 91 

165.96 

197.05 

229.22 

3§ 

25.46 

51.78 

79.01 

IO7.16 

136.27 

166.38 

197.52 

229.72 

36 

25.55 

51.97 

79.28 

IO7.51 

136.69 

166.86 

198.05 

23O.3I 

$ 

25.67 

52.19 

79-59 

IO7.91 

137.18 

167.42 

198.68 

230.98 

25-79 

52.43 

79-94 

108.37 

137-74 

168.07 

199.40 

231.76 

39 

25.94 

52.71 

80.36 

I08.9I 

138.39 

168.82 

200.23 

232.64 

40 

26.IO 

5304 

80.84 

IO9.53 

139.13 

169.67 

201.16 

233.63 

4i 

26.29 

53.41 

81.39 

IIO.24 

139.98 

170.63 

202.21 

234-74 

42 

26.51 

53.84 

82.00 

III.03 

140.92 

171.69 

203.37 

235-94 

43 

26.76 

54-31 

82.70 

III. 90 

141-95 

172.86 

204.61 

237.23 

44 

27.02 

54-84 

83.44 

112.86 

143.08 

174-11 

205.94 

238.61 

4§ 

27.33 

55.41 

84.28 

113.91 

144.29 

175.45 

207.37 

240.09 

46 

27.65 

56.04 

85.17 

115. 01 

145.58 

176.87 

208.89 

241.66 

47 

28.01 

56.72 

86.12 

116.19 

146.95 

178.38 

210.51 

243.34 

48 

28.39 

57-43 

87.11 

117.44 

148.40 

180.00 

212.24 

245.I3 

49 

28.78 

58.17 

88.17 

118.76 

149-95 

181.72 

214.08 

247.04 

50 

29.20 

58.97 
1 

89.30 

120.18 

151. 61 

183.57 

216.06 

249. 10 

i 

Am.3% 


25Yr.End 


116 


Principles   and  Practice 


Table  No.  XXIV '.—Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Age, 


20 
21 
22 

23 

24 


3 

29 

30 
31 
32 
33 
34 

3 

37 
38 
39 

40 

4i 
42 

43 
44 

Si 
% 

49 
50 


9th 

Year. 


260.15 
260.17 
260.20 
260.24 
260.30 

260.37 
260.46 
260.58 
260.73 
260.9I 

261.12 
261.38 
261.69 
262.06 
262.51 

263.04 
263.65 
264.36 
265.17 
266.09 

267.II 
268.23 
269.44 
270.74 
272.12 

273-61 

27519 

276.88 
278.68 
280.61 

282.70 


lOth 

Year. 


294.62 
294.63 
294.66 
294.7O 

294- 75 

294.81 
294.90 
295.02 
295.16 
295-33 

295-55 
2Q5-8I 
296.12 
296.50 
296.97 

297-51 
298.13 
298.85 
299.67 
300.60 

301.61 
302.71 
303-89 
305-16 
306.52 

307.97 
309-5I 
3"-i6 
312.92 
314.82 


11th 

Year. 


330.37 
330.37 
330.39 
330.42 
330.46 

330.53 
330.60 

330.71 
330.84 
33T.OI 

331  21 

331-47 
331.78 
332.17 

332  62 

333-17 
333-78 
334.50 
335-30 
336.19 

337-15 
338.20 

339-33 
340.54 
341.82 

343-20 
344-65 
346.22 
347.90 
349-70 


12th 

Year. 


316.87      351.65 


367.45 
367.44 
36745 
367.47 
367.50 

367-55 
367.62 

367.71 
367.83 
367.98 

368.17 
368.42 
368.72 
369.09 
369-54 

370.06 
370.65 

371-33 
372.08 
372.91 

373-8o 
374-76 
375-80 

37691 
378.08 

379-34 
380.67 
382.11 
383-64 
385.29 

387-07 


13th 

Year. 


405.91 
405.89 
405.88 
405.89 
405.92 

405.95 
406.OO 
406.07 
406.17 
406.30 

406.48 
406.7I 
406.99 
407.34 
407.75 

408.23 
408.78 
409.40 
41O.O7 
4IO.80 

4U-59 
412.45 
4I3-36 
414-33 
4I5-36 

416.45 
417.62 

418.88 
420.22 
421.66 

423-21 


14th 

Year. 


445.81 
445-78 

445- 76 
445-75 
445.76 

445-77 
445.80 

445-85 
445-93 
446.04 

446.20 
446.40 
446.65 
446.95 
447-32 

447-75 
448.22 

448.75 
449-31 
449-93 

450.60 
45I-3I 
452.07 

452.87 
453-72 

454.63 
455-58 
456.61 
457-70 
458.88 

460.16 


15th 

Year. 


16th 

Year. 


487.20 
487.16 
487.13 
487  II 
487.09 

487.09 
487.O9 
487.12 

487.17 
487.26 

487.38 
487.55 
487.75 
488.OI 
488.32 

488.66 
489.04 
489.45 
489.90 
490.38 

49O.9O 

491.45 
492.02 

492.63 
493.27 

493-94 
494.65 

495-41 
496.21 
497.09 

498.03 


530.17 
530.11 
530.07 
530.02 
529.99 

529.96 
529-94 
529.94 
529.97 
530.02 

530.10 
530.22 
530.38 
530.57 
530.79 

53I-04 
53L30 
53f-59 
531-90 
532.23 

532.58 
532.94 
533-32 
533-71 
534-IO 

534-52 
534-95 
535-40 
535.89 
536.41 

536.97 


25Yr.End. 


Am.3% 


Of   Life   Insurance. 

117 

Table  No 

.  XXIV.— Concluded. 

.  TERMINAL  NET  VALUES  PER  $ 

[ooo  OF  TWENTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAI 

,  PREMIUMS 

TILL  MATURITY 

,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

21th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

574-76 

621.05 

669.12 

7I9.05 

770.93 

824.86 

880.93 

939.27 

21 

574  69 

620.97 

669.03 

718.95 

770.83 

824.76 

880.85 

939.22 

22 

574.63 

620.89 

668.93 

718.85 

770.72 

824.66 

880.76 

939.17 

23 

574-56 

620.81 

668.84 

718.74 

770.6I 

824.54 

880.67 

939.IO 

24 

574.51 

620.73 

668.74 

718.63 

770.49 

824.43 

880.57 

939.04 

25 

574.46 

620.66 

668.65 

718.52 

770.37 

824.31 

880.46 

938.97 

26 

574.41 

620.59 

668.56 

718.41 

770.24 

824.18 

880.35 

938.89 

27 

574-39 

620.54 

668.48 

718.30 

770.12 

824.04 

88o.22 

938.81 

28 

574.38 

620.50 

668.40 

718.19 

769.98 

823.90 

880.08 

938.72 

29 

574-40 

620.47 

668.33 

718.08 

769.84 

823.73 

879-93 

938.61 

30 

574-43 

620.46 

668.27 

717.97 

769.68 

'  823.56 

879.76 

938.50 

3i 

574.50 

620.47 

668.21 

717.85 

769.52 

823.36 

879-57 

938.37 

32 

574-59 

620.48 

668.15 

717.72 

769.33 

823.14 

879.37 

938.23 

33 

574.70 

620.50 

668.08 

717.57 

769.12 

822.90 

879.13 

938.07 

34 

574.83 

620.53 

668.  ci 

717.41 

768.88 

822.63 

878.87 

937.89 

35 

574-97 

620.55 

66793 

717.22 

768.62 

822.33 

878.58 

937.69 

36 

575.11 

620.58 

667.82 

7I7.0I 

768.32 

821.98 

878.26 

937-47 

37 

575.27 

620.59 

667.70 

716.77 

767.98 

821.60 

877.89 

937-22 

38 

575-43 

620.60 

667.56 

716.49 

767.60 

82I.I6 

877.48 

936.94 

39 

575-59 

620.59 

667.39 

716.17 

767.18 

820.68 

877.02 

936.63 

40 

575.76 

620.57 

667.19 

715.81 

766.69 

820.14 

876.51 

936  28 

4i 

575-92 

620.53 

666.95 

7I5.40 

766. 1  5 

819.52 

875.93 

935-88 

42 

576.08 

620.47 

666.68 

714.93 

765.53 

818.84 

875.29 

935-45 

43 

576.24 

620.38 

666.35 

7I4.40 

764.84 

818.07 

874.57 

934.96 

44 

576.38 

620.26 

665.97 

7I3.79 

764.06 

817.21 

873.77 

934.41 

4§ 

576.51 

620.II 

665.55 

7I3-I2 

763.20 

816.25 

872.87 

933.8o 

46 

576.64 

619.93 

665.07 

712.37 

762.23 

815.19 

871.87 

933-12 

% 

576.77 

6I9.73 

664.53 

711-53 

761.17 

814.OO 

870.76 

932.36 

576.91 

619.49 

663.93 

7IO.OO 

759.98 

812.68 

869.52 

93L5I 

49 

577-04 

619.22 

663.26 

709.56 

758.65 

8II.22 

868.14 

930.57 

50 

577-17 

618.9I 

662.50 

708.40 

757.18 

809.58 

866.61 

929.54 

Am.3% 


30Yr.End 


118 


Principles  and  Practice 


Table  No.  XXV. 

TERMINAL  NET  VALUES  PER  $1000  OF    THIRTY-YEAR  EN 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE   PER  CENT. 


Age. 


20 
21 
22 

23 
24 

3 

% 

29 

30 
31 
32 
33 
34 

SI 

% 

39 

40 

4i 

42 

43 
44 

45 


1st 

Year. 


18.84 
18.86 
18.88 
18.9I 
18.94 

18.99 
19.03 
I9.08 
19.14 
19.21 

19.29 
19.38 

I9.49 
19.60 

19-74 

19.90 
20.07 
20.27 
20.48 
20.73 

2I.OO 
21.32 
21.66 
22.05 
22.47 

22  94 


2d 

Year. 


38.35 
38.39 
38.43 
38.49 
3856 

38.63 
38.72 
38.82 
38.94 
39-OS 

39-24 
39-42 
39.62 
39-86 
40.13 

40.44 
40.79 
41.17 
41.60 
42.09 

42.63 
43.26 

43-95 
44.70 

45-54 

46.44 


3d 

Year. 


58.56 
58.61 
58.68 

58.77 
58.86 

58.98 

59-11 
59.26 

59-43 
59-64 

59-87 
60.14 
60.44 
60.80 
61.20 

61.66 
62.16 
62.73 

63-37 
64.10 

64.91 
65.84 
66.85 
67.98 
69.19 

70.53 


4th 

Year. 


79-49 
79-56 
79-65 
79.76 
79.89 

80.04 
80.21 
80.40 
80.64 
80.91 

81.21 
81.56 
81.97 
82.43 
82.96 

83.55 
84.22 

84.97 
85.82 
86.78 

87.86 
89.06 

90.39 
91.85 

93-44 
95.17 


5  th 

Year. 


IOI.17 
IOI.26 
IOI.37 
IOI.50 
IOI.66 

IOI.84 
102.05 
IO2.29 
IO2.58 
IO2.9O 

IO3.28 
IO3.72 
IO4.2I 
IO4.78 
IC5-43 

I06.I6 
IO6.97 
IO7.90 
IO8.95 
HO.14 

III. 46 
II2.94 
II4.56 
H6.34 
II8.27 

120.33 


6th 

Year 


123.64 

123.74 
123.87 
124.03 
124.21 

I24.4I 
124.66 

124.95 
125.28 
125.66 

126. II 
126.62 
127.21 

127.87 
128.63 

129.48 
130.45 
I3L55 
132.79 
134.18 

135-74 
137.46 
139.36 
141.42 
I43-64 

146.02 


7th 

Year. 


146.91 
I47.03 
147.17 
147-35 
147.55 

147.79 
148.07 
148.39 
148.77 
149-21 

149.72 
I50.30 
150.96 
151.72 

152.58 

153.56 
154.67 
155.93 
157.34 
158.94 

160.69 
162.65 
164.78 
167.09 
169.56 

172.21 


8th 

Year. 


I7I.02 
171. 15 
171. 31 
171.50 

I7L73 

171.99 

172.30 
172.65 
I73.0S 
173.56 

174.13 

174.78 

175.51 
176.35 
177.32 

178.42 
179.66 
181.06 
182.63 
184.39 

186.34 
188.49 
I9O.81 
193-32 
I96.OO 

198.89 


30Yr.End. 


Am.3% 


Of  Life:   Insurance. 


119 


Table  No.  XXV. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY  YEAR  EN- 

UOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE, 

THREE  PER  CENT. 


20 
21 
22 

23 

24 

25 

26 
27 
28 
29 

30 
31 
32 
33 

34 

9 

39 

40 

4i 
42 

43 
44 

45 


9th 

Year. 


I96.OI 
I96.I4 
I96.3I 
196.52 
I96.77 

I97-05 

197.38 
I97.78 
I98.23 
I98.76 

199-37 
200.08 
200.88 
201.80 
202.86 

204.06 
205.42 
206.95 
208.66 
210.57 

212.67 
214.96 
217.44 
220.11 

222.98 

226.06 


lOth 

Year. 


221.89 
222.04 
222.22 
222.44 
222.69 

223.OO 

223.35 
223.77 
224.26 
224.82 

225. 4S 
226.23 
227.O9 
228.O9 
229.23 

23O.52 
23I.98 
233.61 

235.44 
237.46 

239.67 
242.07 
244.67 

247.47 
250.48 

253.70 


11th 

Year. 


248.72 
248.87 
249.06 
249.23 
249-55 

249.87 
250.24 
250.68 
251.19 
251.79 

252.47 
253.27 
254.19 
255-24 
256.45 

257.82 
259-35 
261.07 
262.97 
265.07 

267.35 
269.83 
272.51 

275-39 
278.49 

281.81 


12th 

Year. 


276.52 
276.68 
276.86 
277.O9 
277.37 

277.70 

278.08 

278.53 
279.06 
279.68 

280.40 
281.23 
282.I9 
283.29 
284.55 

285.97 
287.55 
289.33 
29I.27 
293.40 

295.72 
298.23 
300.95 
303.88 
307.03 

3IO.40 


13th 

Year. 


305.34 
305.49 
305.67 
305.91 
306.I9 

306.52 
306.91 
307-37 
307.90 
308.54 

309.28 
3IO.I4 
311. 12 
312.26 
313.54 

314-99 
316.60 

318.39 
320.33 
322.47 

324.78 
327.30 
330.02 

332.95 
336.O9 

339.46 


14th 

Year. 


335- 20 
335-35 
335-54 
335-77 
336.04 

336.37 
336.76 
337-22 
337.76 
338.40 

339-15 
34003 

341-03 
342.16 
343.46 

344-91 
346.51 
348.27 
350.19 
352.29 

354-57 
357-05 
359-72 
362.60 
365-69 

369.02 


1 5th 

Year. 


366.16 
366.3O 
366.48 
366.71 
366.97 

367.29 
367.67 
368.13 
368.67 
369.3I 

370.06 

370.93 
371.92 

373.05 
374-33 

375.75 

377-30 
379-00 
380.86 
382.90 

385.10 
387  49 
390.07 
392.86 
395-86 

399.08 


Am.  3* 


30Yr.End 


1 20 


Principles   and   Practice 


Table  No.  XXV.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Age. 


16th 

Year. 


20 
21 
22 

23 

24 

25 
26 

% 

29 

30 
31 
32 

33 

34 

a 

11 

39 

40 
41 
42 
43 
44 

45 


398.26 

398-39 
393.56 
398.76 
399.02 

399.32 
399.69 
400.14 
400  67 
401.30 

402.04 
402.88 
403.85 

404.95 
406.17 

407-52 
409.00 
410  62 
412.39 
414.31 

416.40 
418.67 
421. 1 1 
423.76 
426.61 

429.67 


17th 

Year. 


431-54 
431.66 
43i-8i 
432.00 
432.23 

432.52 
432.87 
433-30 
433-81 
434-41 

435-12 
435-93 
436.85 
437.88 
439.02 

440  28 

441.65 
443  16 
444.79 

446.58 

448  51 
450  62 
452.89 
455-35 
457-99 

460.83 


18th 

Year. 


466.05 
466.15 
466.28 
466.45 
466.66 

466.93 
467.25 
467.65 
468.I3 
468.69 

469.35 
47O.II 

470.95 

471.88 
472.92 

474.06 
475-30 
476.66 
478.14 
479-75 

481.49 
483.40 

485.45 
487.67 
490.05 

492.62 


19th 

Year. 


50I.85 
501.92 
502.03 
502.I7 
502.36 

502.60 
502.89 
503.25 
503.69 
504.20 

504- 79 
505-46 
506. 20 
507.02 
507.93 

508.93 
510.01 
511.20 
512.48 
513.89 

5I5.4I 
517.07 
518.86 
520.79 

522.88 

525.12 


20ih 

Year. 


538.98 
539-03 
539.II 
539-23 

539-39 

539-59 
539-84 
540.I5 
540.53 
540.97 

54L47 
542.04 
542.66 
543-35 
544" 

544-94 

545-85 
546.84 

547-91 
549.08 

550.35 
551-72 
553-21 
554.82 
556.56 

558.44 


21st 

Year. 


S2d 

Year. 


577-51 
577-54 
577-59 
577-68 
577-So 

577.96 
578.16 

578.42 
578.72 
579-07 

579-47 
579-92 
580.41 
580.95 

581.55 

582.20. 
582.90 
58367 
584-51 
585-42 

586.40 

587.47 
588.63 
589.88 
591-24 

592.69 


617.51 
617.51 

617-53 
617.58 
617.67 

617.78 
617.92 
618. 11 

618.33 
618.58 

618.86 
619.18 

619-53 
619.91 
620.34 

620.79 
621  28 
621.82 
622.40 
623.03 

623.71 
624.45 
625.26 
626.13 
627.06 

62S.06 


30Yr.End 


Am.3* 


Of  L,ifh   Insurance. 


121 


Table  No.  XXV. — Concluded. 

TERMINAL   NET  VALUES  PER  $rooo  OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Age. 


20 
21 
22 
23 

24 

5 

% 

29 

30 
3i 
32 
33 

34 

36 
37 
38 
39 

40 

4i 
42 

43 

44 

45 


Year. 


24th 

Year. 


659.04 
659.OI 
659  OO 
659.02 
659-05 

659.II 
659.20 

659-31 
659-43 
659.58 

659-74 
659-93 
660.13 
660.35 
660.59 

660.85 
66I.I2 
661.42 
661.74 
662.08 

662.45 
662.85 
663.29 

663.75 
664.25 

664.77 


702  17 
702.I2 
702.08 
702.06 
702.05 

702.06 
702.07 
702.IO 
702.13 
702.17 

702.22 
702.28 
702.33 
702.39 
702.45 

702.52 
702.58 
702.64 
702.70 
702.76 

702.82 
702.89 
702.96 
703.02 
703.08 

703.II 


25th 

Year. 


747.OO 

746.93 
746.86 
746.80 
746.75 

746.69 
746.64 
746.59 
746.54 
746.49 

746.43 
746.36 
746.28 
746.19 
746.09 

745.98 
745-85 
745.69 
745.51 
745-32 

745.IO 

744-85 
744-57 
744.27 

743-91 
743.49 


26th 

Year. 


793.60 

793.51 
793.42 

793-33 
793.24 

793  14 
793-04 
792.92 
792.80 
792.67 

792.52 
792-35 
792.16 
791.96 
791.72 

791.46 
791.16 
790.83 
790.46 
790.05 

789.59 
789.09 

788.53 
787.90 
787.20 

786.40 


27th 

Year. 


842.09 
841.98 
841.88 
841.77 
841.65 

84L53 
841.39 
841.24 
841.07 
840.88 

84C.68 
840.45 
840.19 
839-90 
83908 

839.23 
838.83 
838.38 
837.89 
837.34 

836.73 
836.06 

835.3I 
834.48 
833.55 

832.50 


28th 

Year. 


892.56 
892.46 
892.36 
892.26 
892.14 

892.OI 
891.86 
891.71 

891.53 
891.34 

891.12 
89O.88 
890.62 
890.32 
889  99 

889.62 
889.21 
888.75 
888.24 
887.67 

887.04 
886.34 
885.56 
884.70 
883.74 

882.66 


29th 

Year. 


945-15 
945-08 
945.OI 

944-94 
944.85 

944.76 
944.66 
944-55 
944.42 
944.28 

944-13 
943-95 
943.76 

943-55 
943.31 

943-94 
942.74 
942.41 
942.04 

941.18 
940.67 
940.11 
939.48 
938.79 

938.02 


Am.3* 


35Yr.End 


122 


Principles  and   Practice 


Table  No.  XXVI. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Agb. 


20 
21 
22 

23 

24 

3 

% 

29 

30 
3* 
32 
33 
34 

35 
36 

11 

39 
40 


1st 

Year. 


14.72 

14.75 
14.80 

14.85 
I4.9I 

14.99 
I5.07 
I5.I6 
15.26 
15.38 

15-51 
15.67 
15.83 
16.02 
16.23 

16.48 
16.74 
17.04 
I7.36 
17.72 

l8.II 


2d 

Year. 


29-95 
30.02 
30.II 
30.22 
30.35 

30.49 
30.64 
30.83 

3I.04 
31.27 

31-54 

31.85 
32.18 

32.55 
32.99 

33-47 
3400 

34  58 
35-23 
35-95 

36.74 


3d 

Year. 


45-71 

45.82 

45.96 
46.12 

46.31 

46.52 
46.76 
47-03 
47-34 
47.69 

48.10 
48.55 
49-05 
49.62 
50.26 

50.98 
51-77 
52.65 
53.62 
54.70 

55.89 


4th 

Yean 


62.02 
62.17 
62.36 
62.57 
62.82 

63.IO 
63.42 
63.78 
64.2O 
64.67 

65,20 
65.80 
66.47 
67.23 
68.09 

69.03 
70.08 
71.25 
72  54 
73.98 

75.58 


5th 

Year. 


78.91 
79.IO 

79-33 
79.60 
79.91 

80.25 
8065 
8I.IO 
81.62 
82.20 

82.86 
83.62 
84.45 
85.40 
86.45 

87.64 
88.94 
9O.40 
92.OI 
93.81 

95.78 


6th 

Year 


96.39 
96.63 
96.90 
97.22 

97.58 

97-99 
98.47 
99.OI 
99.62 
IOO.31 

IOI.II 
I02.00 
IO3.OI 
IO4.I3 
105-39 

I06.79 
IO8.36 
IIO.IO 

112.03 

114.17 
116.52 


7  th 

Year. 


II4.49 
114.76 
II5.08 

115  44 
115.86 

116.34 
116.89 

117.51 
118.22 

1 1903 

119-95 
120.99 
122.14 

123.45 
124.90 

126.53 
128.34 
130.37 
132.60 

I35.07 

137.78 


35Yr.End. 


Am.3% 


Of   Life   Insurance. 


123 


Table  No.  XXVI.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

u 

% 

29 

30 
31 
32 

33 

34 

35 
36 

11 

39 

40 


8  th 

Year. 


133.23 
133-53 
I33-89 
I34-30 
134-78 

135-32 
135-94 
136.64 
I37-46 
138.37 

139-41 
140.58 
141.89 
I43-36 
I45-OI 

146.86 
148.92 
151.20 
153-73 
156  51 

159.55 


9th 

Year. 


152.63 

152.97 
153.36 
153-82 
15435 

154-95 
155-63 
156.42 
157-32 

158.34 

159.49 
160.79 
162.24 
163.88 
165.73 

167.79 
170.07 
172.62 

I75.4I 
178.48 

181.83 


10th 

Year. 


172.71 

I73.0S 
173.51 
I74.0I 
174.58 

175.24 
176.OO 
176.86 

177.85 
178.96 

l8o.22 
181.64 
183.24 
185.04 
187.07 

189  32 

I9I.83 
194.60 
197.64 
200.98 

204  59 


1  Ith 

Year. 


I93.50 
193.90 

194.37 
194.90 
195.52 

I96.24 
197.06 
197.99 
I99.05 
200.25 

201.62 
203.16 
204.80 
206.85 
209.03 

211.48 
214.17 
217.16 
220.42 
223.98 

227.81 


18th 

Year. 


215.04 
215.46 
215-95 
216.52 
217.19 

217  95 
218.83 
219.82 
220.96 
222  24 

223.70 

225.35 
227.22 
229.30 
231.65 

234.25 
237.12 
240.28 
243.72 
247.46 

251.49 


13th 

Year. 


237.33 
237.77 
238.29 
238.90 
239.60 

240.41 

24L33 
242.38 
243.58 
244.94 

246.49 
248.25 
250.22 

252.44 
254.90 

257-64 
260.66 
263.96 
267.54 
27L43 

275.62 


14th 

Year. 


260.41 
260.87 
261.42 
262.05 
262.79 

263.63 

264  59 
265.69 
266.95 
268.38 

270.02 
271.86 

273-93 
276.24 

278.81 

281.66 

284.78 
288.18 
291.87 
295.87 

300. 1 8 


Am.3* 


35Yr.End 


124 


Principles  and   Practice 


Table  No.  XXVI.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY- FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE. 

THREE  PER  CENT. 


Age. 


15th 

Year. 


20 
21 
22 

23 

24 

a 
u 

29 

30 
31 
32 
33 
34 

u 

11 

39 
40 


284.31 
284.79 

285.35 
286.01 
286.76 

287  64 
2S8.63 
289.78 
291.09 
292.59 

294.28 
296.20 

298.34 
30073 

30338 

306.30 
309.48 
312.95 
316.71 
320.79 

325.18 


16th 

Year. 


309.06 
309.55 
3IO.I3 
3IO.80 

3".57 

312.46 
313.49 
3I4.67 
316.03 

3I7.57 

3I9-32 
321.28. 
323.47 
325.91 
328.61 

33L55 
334-77 
338.27 
342.07 
346.18 

350.60 


17th 

Year. 


334-69 
335.19 
335-77 
336.45 
337-23 

338.15 
339.19 
340.41 

34L79 
343.36 

345.13 
347- 1 2 
349-34 
35L79 
354-49 

357-44 
360.65 
364.14 

367.93 
372.04 

376.45 


l«th 

Year. 


361.24 

361.73 
362.32 
362.99 
363.79 

364.71 
365.77 
366.99 

368.39 
369.97 

37L75 
373-75 
375-95 
378.38 
381.04 

383-96 
387.13 
390.58 
394.32 
398.37 

402.73 


19th 

20th 

Year. 

Year. 

388.73 

417.22 

389.22 

417.69 

389.79 

418.25 

390.47 

418.92 

39L27 

419.71 

392.19 

420.61 

393-25 

421.66 

394-47 

422.86 

395-86 

42  J.22 

397-43 

425. 76 

399-19 

427.47 

401.15 

429.37 

403.31 

431-45 

405.68 

433.74 

408.29 

436.25 

411.13 

438.99 

414.23 

441.97 

417.60 

445.21 

421.24 

448.72 

425.19 

452.53 

429.45 

456.63 

21st 

Year. 


446.72 
447.18 
447-73 
448.38 
449.14 


450.02   ! 

45L04 

452.20 

453-52 

454.98 

456.61 

458.41 
460.39 
462.57 
464.94 

467.54 
470.37 
473-44 
476.78 
480.40 

484.29 


35Yr.End. 


Am.3* 


Of  Life  Insurance. 


I25 


Table  No.  XXVI.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Age 


20 
21 
22 

23 

24 

II 
II 

29 

30 
31 
32 

33 

34 

36 
37 
38 
39 

40 


22d 

Year. 


477-30 
477-73 
478.26 
478.88 
479.61 

480.45 
481.42 
482.52 
483.76 
485-I3 

486.65 

488.33 
490.18 
492.21 
494.42 

496.84 
499.48 
502.35 
505-46 
508.84 

512.47 


23d 

Year. 


508.99 
509.40 
509.88 
510.47 
511.15 

5H.Q4 

512.84 

5'3-85 
514.99 
516.24 

5I7-64 
5I9-I7 
520.86 
522.70 
524.72 

526.93 
529-34 
531.96 

534-81 
537.89 

541.22 


24  th 

Year. 


541.85 
542.21 
542.66 

543-19 
543-81 

544-53 
545-34 
546.24 

547.25 
548.37 

549-62 

550.98 
552.48 
554-12 
555.91 

557-88 
560.02 
562.35 
564.89 
567.64 

570.61 


25th 

Year. 


575.92 
576.24 
576.63 
577-IO 
577.65 

57827 
578.97 
579-75 
<;8o.62 
581.58 

582.65 
583.82 
585.11 
586.51 
588.06 

589.75 
591-59 
593-6o 

595.78 
598.16 

600. 73 


26th 

Year. 


6II.26 

6II.53 
611.86 
612.25 
612.71 

613.22 
613.79 
614.44 

615.15 
615.94 

616.82 

617.78 
618.83 
619.99 
621.26 

622.65 
624.16 
625.81 
627.62 
629.58 

631.70 


27th 

Y  ear. 


647.94 
648.15 
648.41 
648.71 
649.06 

649.45 
649.  89 

650.39 
650.94 

45L54 

652.21 
652.95 
653.76 
654.65 
655.62 

656.69 
657.85 
659-I3 
660.53 
662.05 

663.68 


28th 

Year. 


686.OI 
686.16 
686.33 
686.54 
686.78 

687.05 

687.35 
687.69 
688.07 
688.49 

688.95 
689.46 
690.02 
690.63 
691.30 

692.03 
692.84 

693-73 
694.69 

695-75 
696.88 


Am.3^ 


35Yr.End 


126 


Principles  and   Practice 


Table  No.  XXVI.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 


Age. 


20 
21 
22 

23 
24 

li 

n 

29 

30 
31 
32 
33 
34 

u 

39 
40 


29th 

Year. 


725.57 
725.64 
725-73 
725-84 
725-97 

726.12 
726.29 

726.47 
726.68 
726.9I 

727.17 
727-45 
727-75 
728.09 
728.46 

728.87 
729.32 
729.81 
730.35 
730.94 

731-55 


30th 

Year. 


766.68 
766.69 
766.70 
766.72 
766.74 

766.78 
766.82 
766.86 
766.91 
766.97 

76703 
767.IO 
767.17 
767.24 
76733 

767.43 
767.54 
767.66 
767.80 
76793 

768.06 


31st 

Year. 


809.46 
809.41 

809.35 
809.29 
809.23 

809.17 
809.IO 
809.02 
808.94 
808.84 

808.74 
808.62 
808.50 
808.35 
808.20 

808.03 
807.84 
807.64 
807.41 
807.16 

806.86 


32d 

Year. 


854.03 
853-93 
853.83 
853.72 
85360 

853.46 

353.31 
853-15 
85297 
852.77 

852.55 
852.30 
852.03 

85L73 
851.40 

851.04 
850.64 
850.20 
849.71 
849.16 

848.54 


33d 

Year. 


9OO.53 
9OO.42 
9OO.3O 
9OO.17 
9OO.02 

899.86 
899.68 

89949 
899.27 
899.03 

898  77 
898.47 
898.14 
897.78 
897.38 

896.94 
896.45 
895.91 

895.31 
894.64 

893.90 


34th 

Year. 


949.12 
949.04 
948.94 
948.84 
948.73 

948.61 
948.47 
948.32 
948.15 
947-97 

947.76 
947-53 
947.28 
946.99 
946.68 

946.33 
945-95 
945-52 
945.05 
944-53 

943-95 


Ann.Prem. 


Am.3* 


Of  Life  Insurance. 


127 


Table  No. 

KXVII. 

NET  ANNUAL  PREMIUMS  PER  $1000,  AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 

Age. 

9  Pavment 

14  Payment 

19  Payment 

Endowment 

Endowment 

Endowment 

20 

Life. 

Life. 

Lile. 

9  Years. 

14  Years. 

1»  Years. 

42.52 

29.84 

23-94 

99-37 

61  .04 

43.22 

21 

43«M 

30.28 

24.30 

99.40 

61.07 

43.26 

22 

43.78 

30-73 

24.67 

99.42 

6l  .11 

43.31 

23 

44.44 

31.20 

25-05 

99-45 

61.14 

43-35 

24 

45.12 

31.68 

25-44 

99.48 

61.18 

43.40 

25 

45.82 

32.18 

25.85 

99-52 

61.23 

43-45 

26 

46.55 

32.70 

26.27 

99-55 

61.27 

43- 51 

27 

47-29 

33-23 

26.71 

99-59 

61.32 

43-57 

28 

48.07 

33-79 

27.17 

99-63 

61.37 

43.64 

29 

48.87 

34.36 

27.64 

99.68 

61.43 

43.71 

30 

49.69 

34-95 

28.12 

99.72 

61.49 

43.8o 

31 

5o-54 

35.56 

28.63 

99.78 

61.56 

43.89 

32 

51.42 

36.19 

29.15 

99.84 

61 .64 

43.99 

33 

52.33 

36.85 

29.70 

99.90 

61.72 

44.10 

34 

53-27 

37-53 

30.27 

99-97 

61.82 

44.22 

3I 

54-24 

38.23 

30.85 

100.04 

61  .92 

44.36 

36 

55-24 

38.96 

3J-47 

100.13 

62.03 

44.51 

37 

56.27 

39.71 

32.11 

100.22 

62.16 

44.69 

38 

57-34 

40.50 

32.78 

100.33 

62.30 

44.88 

39 

58.44 

4i. 31 

33.48 

100.44 

62.46 

45.10 

40 

59-58 

42.16 

34.21 

100.57 

62.64 

45-34 

4i 

60.76 

43-°4 

34.98 

100.71 

62.83 

45.62 

42 

61.98 

43-96 

35-79 

100.87 

63.06 

45-93 

43 

63.24 

44.91 

36.63 

101.05 

63-32 

46.28 

44 

04-55 

45-91 

37-53 

101 .26 

63.61 

46.68 

4I 

65.91 

46.96 

38.47 

101 .49 

63.94 

47.12 

46 

67.31 

48.06 

39-47 

101 .76 

64.31 

47.62 

47 

68.77 

49.21 

40.53 

102.06 

64.74 

48.18 

48 

70.29 

50.41 

41.64 

102.41 

65.21 

48.81 

49 

71.86 

51.68 

42.83 

102.80 

65.74 

49-51 

50 

73-49 

53-GI 

44.09 

103.25 

66.34 

50.29 

5i 

75.19 

54.4o 

45-43 

103.74 

67.01 

51.16 

52 

76.94 

55-87 

46.86 

104.29 

67.75 

52.13 

53 

78.77 

57-42 

48.38 

104.91 

68.58 

53-20 

54 

80.66 

59-o5 

50.01 

105.59 

69.50 

54-39 

55 

82.63 

60 .  78 

51-75 

106.35 

70.52 

55-72 

56 

84.69 

62.61 

53-6i 

107.20 

71.67 

57.i8 

57 

86.83 

64.55 

55-6i 

108.15 

72.93 

58.80 

58 

89.06 

66.62 

57.76 

109 . 19 

74.34 

60.58 

59 

91.40 

68.82 

60.07 

110.36 

,75-90 

62.55 

60 

93.86 

71.18 

62.56 

III. 65 

77-63 

64.71 

61 

96.44 

73-70 

65-25 

113.09 

79-55 

67.10 

62 

99.17 

76.40 

68.15 

114.69 

81.68 

69.71 

63 

102.04 

79-3° 

71.28 

116.47 

84.02 

72.59 

64 

105.08 

82.42 

74.68 

118.44 

86.62 

75-75 

65 

108.31 

85.77 

78.35 

120.63 

89.46 

79.21 

66 

in  .74 

89.38 

82.34 

123.05 

92.60 

83.01 

a 

"5-38 

93.28 

86.65 

125.72 

96.05 

87.16 

68 

119.26 

97.48 

9i.33 

128.65 

99.84 

91.70 

69 

123.39 

102.03 

96.41 

131.87 

104.00 

96.66 

70 

127.78 

106.95 

101 .91 

135.38 

108.56 

102 .07 

Am.3* 


9Pay.L 


128 

Principles  and  Practice 

Table  No.  XXVIII 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLICIES 

BY  NINE  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE  THREE  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

Year 

Year 

Year 

Year. 

Year. 

20 

36.27 

73-89 

112.89 

153-34 

195.29 

21 

36.87 

75-n 

114-75 

155-86 

198.51 

22 

37-49 

76.35 

116.66 

158.47 

201.82 

23 

38.12 

77.64 

118.64 

161. 15 

205 . 24 

24 

38.77 

78.98 

120.67 

163.91 

208.76 

25 

39.46 

80.35 

122.77 

166.76 

212.38 

26 

40.14 

81.76 

124.92 

169.68 

216. 11 

27 

40.85 

83.21 

127.13 

172.70 

219.95 

28 

41.59 

84.70 

129.42 

175.80 

223.90 

29 

42.34 

86.25 

131-77 

178.99 

227.96 

30 

43 -12 

87.83 

134.20 

182.27 

232.14 

31 

43-9J 

89.46 

136.67 

185.64 

236.43 

32 

44-75 

91.13 

139.22 

189. II 

240.85 

33 

45.58 

92.83 

141 .84 

192.66 

245-37 

34 

46.45 

94.60 

144-54 

196.32 

250.02 

35 

47-34 

96.41 

I47-30 

200.05 

254.77 

36 

48.25 

98.26 

150. 11 

203.88 

259.64 

37 

49.17 

100.15 

152.99 

207 . 79 

264.63 

38 

50.12 

102.09 

155-93 

211.79 

269.72 

39 

51.10 

104.06 

158.96 

215.89 

274.93 

40 

52.09 

106.08 

162.04 

220.07 

280 . 24 

4i 

53-u 

108.14 

165.19 

224.33 

285.67 

42 

54-14 

110.25 

168.38 

228.67 

291.18 

43 

55-21 

112.38 

171.66 

233.08 

296.77 

44 

56.27 

114.56 

174.95 

237-53 

302.41 

45 

57.36 

116.76 

178.28 

242.03 

308.10 

46 

58.45 

118.97 

181.62 

246.53 

3I3.8I 

47 

59-55 

121. l8 

184.97 

25I.Q3 

319.51 

48 

60.64 

123.37 

188.28 

255.51 

325.I9 

49 

6i.73 

125.55 

191.58 

259-95 

330.84 

50 

62.79 

127.69 

194.82 

264.36 

336.44 

51 

63.84 

129.80 

198.03 

268 . 70 

341.98 

52 

64.86 

131.88 

201 .19 

272.98 

347-44 

53 

65.88 

133-91 

204.28 

277.16 

352.80 

54 

66.84 

135.88 

207.28 

281.25 

358.04 

55 

67.81 

137.80 

210.21 

285.22 

363.I4 

56 

68.70 

139.64 

213.00 

289.04 

368.08 

57 

69-59 

141.40 

215.69 

292.72 

372.82 

58 

70.41 

143- °7 

218.24 

296.20 

377-32 

59 

71.19 

144-65 

220.63 

299.46 

381.61 

60 

71.91 

146.09 

222.82 

302.5I 

385.60 

61 

72.55 

147-38 

224.84 

305.30 

389.29 

62 

73  12 

148.57 

226.64 

307.81 

392.63 

63 

73.66 

149.61 

228.23 

310.OI 

395-62 

64 

74.08 

i5°- 45 

229.52 

311.86 

398.14 

65 

74.42 

151. 10 

^30-53 

3I3.30 

400.21 

66 

74-63 

151-55 

231.21 

314.31 

401 . 74 

67 

74-77 

I5I-74 

231-52 

314.84 

402.72 

68 

74-73 

151.66 

231.39 

314.83 

403.11 

69 

74.56 

151.27 

230.86 

314.33 

402.98 

70 

74.22 

150.58 

229.94 

3I3.39 

402.38 

9Pay.L. 


Am.3* 


Of  Life  Insurance. 


129 


Table  No.  XXVIII.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLICIES 

BY  NINE  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 


Age. 


20 
21 
22 
23 
24 
25 
26 

27 
28 
29 
30 
31 
33 

33 
34 
35 
36 
37 
38 
39 
40 
4i 
42 
43 
44 
45 
46 
47 
48 

49 
50 
5i 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 
66 
67 
68 
69 
7o 


6th 

Year. 


7th 

Year. 


238.82 
242.75 
246.81 
250.98 
255 -28 
259-71 
264.27 
268.97 
273.80 
278.76 
283.88 
289.13 
294.52 
300.05 

305-73 

3"-53 
3I7-49 
323-59 
329.82 

336-I9 
342.69 
349-31 
356.03 
362.84 
369.72 
376.64 
383.60 

390.55 
397-5o 
404.42 
411.30 
418. 11 
424.85 
43L47 
437-97 
444.32 
45°-47 
456.41 
462 . 14 
467.56 
472.69 
477.46 
481.86 
485.83 
489.33 
492.30 
494.70 
496.53 
497.78 
498.50 
498.77 


8th 

Year. 


283.96 
288.64 
293.46 
298.42 

303.54 
308.81 

3I4.24 
319.82 
325-56 
33J-48 
337-56 
343-8° 
35° -2I 
356.78 
363-53 
370.45 
377-53 
384.79 
392.19 

399-77 
407.49 
415-36 
423-33 
431-42 

439-57 
447.81 
456.07 
464.36 
472.65 
480.94 
489.18 
497-38 
505.50 
513-52 
521.42 
529.16 

536.71 
544-07 
55i.i8 
558.oi 

564.51 
570.67 

576.43 
581.77 
586.62 

590.96 
594.76 
598.04 
600 . 80 
603.08 
604.91 


330.79 
336.25 
341.86 

347.65 
353-62 
359-76 
366.08 

372-59 

379.29 
386.18 
393.26 
400.53 
408.00 
4I5-67 
423.53 
431.60 

439-86 
448.31 
456.96 
465.79 

474.78 
483.94 

493-23 
502.65 
512.16 
521.76 
531-43 
541.15 
550.89 
560.65 

570.39 
580.11 
589.78 
599.36 
608.84 
618.20 
627.40 
636.41 
645.21 
653.76 
662.02 
669.97 

677.57 
684.78 
691.59 
697.98 
703.96 
709-55 
714.75 
719.58 
724.03 


9th 

Year. 


379-39 
385-64 
392.09 
398.73 
405.58 
412.63 
419.88 
427.36 
435 .04 
442.95 
451.07 
459.42 
468.00 
476.80 
485.83 
495.10 

504.59 
514.30 
524.23 

534-37 
544.70 
555-22 
565-89 
576.71 
587.67 
598.74 
609.92 
621.18 

632.51 
643.89 

655-3° 
666.72 

678.13 
689.50 
700.83 
712.08 
723.24 
734.27 
745-i6 
755-88 
766.41 

776.73 
786.82 
796 . 67 
806.28 
815.69 
824.93 
834.01 
842.97 
851.80 
860.49 


Am.3* 


HPay.L. 


I30 


Principles  and  Practice 


Table  No.  XXIX 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLICIES 

BY 

FOURTEEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

23. II 

47.05 

71.86 

97-57 

124.22 

151.84 

180.47 

21 

23-52 

47.89 

73-^3 

99.29 

126.42 

154.52 

183.66 

22 

23-94 

48.74 

74-44 

101 .08 

128.68 

I57.29 

186.94 

23 

24-37 

49.62 

75-79 

102.91 

131 .OI 

160.13 

190.31 

24 

24.82 

50.54 

77.19 

104.80 

133-41 

163.06 

193.80 

25 

25.29 

51.48 

78.63 

106.75 

135-88 

166.08 

I97-38 

26 

25.76 

52.45 

80.09 

108.74 

138.42 

169.18 

20I .06 

27 

26.25 

53-45 

81.61 

110.80 

141.04 

172.38 

204.85 

28 

26.76 

54.46 

83-17 

112.92 

143-73 

175.66 

208 . 74 

29 

27.27 

55-52 

84.78 

115. 10 

146.49 

179.02 

212.74 

30 

27.81 

56.60 

86.44 

"7.33 

149.33 

182.50 

216.85 

31 

28.35 

57-72 

88.13 

119.62 

152.25 

186.05 

221 .06 

32 

28.92 

58.86 

89.87 

121.98 

I55.25 

189.70 

225.38 

33 

29.49 

60.03 

91.65 

124.40 

158.31 

193-42 

229.80 

34 

30.09 

61.24 

93-49 

126.88 

161.45 

I97.25 

234.32 

35 

30.70 

62.48 

95-38 

129.42 

164.67 

201 .16 

238.96 

36 

3*-32 

63.74 

97.28 

132.01 

167.94 

205 .16 

243.68 

37 

3!-97 

65.03 

99-25 

134.66 

171. 31 

209.25 

248.52 

38 

32.61 

66.35 

101.25 

137.37 

174.74 

213.42 

253-44 

39 

33-29 

67.70 

103. 31 

140.14 

178.25 

217.68 

258.48 

40 

33-96 

69.09 

105.41 

142.98 

181.83 

222.02 

263.59 

41 

34.67 

70*51 

107.57 

145.87 

185.48 

226.43 

268.78 

42 

35.38 

71.96 

109.75 

148.82 

189.18 

230.90 

274.02 

43 

36.12 

73-43 

1 1 1. 98 

151.80 

192.93 

235.41 

279.28 

44 

36.86 

74-93 

114.23 

154.80 

196.69 

239-92 

284.55 

45 

37.62 

76.45 

116. 51 

I57.83 

200.46 

244-43 

289.81 

46 

38.38 

77-97 

118.77 

160.84 

204 . 20 

248.91 

295.O2 

47 

39-15 

79-49 

121.03 

163.82 

207.90 

253-33 

3OO.18 

48 

39 -91 

80.99 

123.26 

166.77 

211.56 

257-71 

305.27 

49 

40.66 

82.45 

125.45 

169.65 

215.  J5 

261.99 

3IO.27 

50 

41-39 

83.91 

127-59 

172.50 

218.68 

266.21 

315.17 

5i 

42.11 

85.33 

129.71 

175-29 

222.13 

270.32 

319.96 

52 

42.81 

86.73 

131.77 

178.01 

225.50 

274-33 

324.61 

53 

43-52 

88.10 

133.80 

180.66 

228.77 

278.22 

329.I2 

54 

44.20 

89.44 

I35-76 

183.23 

231.94 

281.97 

333-47 

55 

44-87 

90.74 

137.67 

185.72 

234.99 

285.57 

337.62 

56 

45-51 

91.99 

i39-5o 

188. 11 

237.90 

288.99 

341-54 

57 

46.15 

93.21 

141,28 

190.39 

-  240 . 67 

292.22 

345-26 

58 

46.75 

94-39 

142.96 

192.55 

243.26 

295.26 

348.72 

59 

47-34 

95.51 

144.56 

194.57 

245-7° 

298.07 

35!-9° 

60 

47.91 

96.57 

146.04 

196.48 

247-95 

300.64 

354.76 

61 

48.43 

97-54 

147.45 

198.21 

249-97 

302.91 

357-29 

62 

48.93 

98.50 

148.74 

199.80 

251.76 

304.90 

359-42 

63 

49.42 

99-36 

149.92 

201.17 

253-3° 

306.52 

361.13 

64 

49.84 

100.12 

150.89 

202.31 

254.50 

307.72 

362.31 

65 

50.24 

100 . 78 

I5I-73 

203.19 

255-35 

308.49 

362.99 

66 

50-56 

101.32 

152.34 

203 . 79 

255-83 

308.80 

363.18 

67 

50.85 

101.74 

152.78 

204.10 

255-95 

308.74 

363.00 

68 

51.06 

102.03 

152.99 

204.14 

255-8i 

3°8-43 

362.61 

69 

5I-23 

102.20 

i53.o5 

204.06 

255-57 

308.11 

362.26 

70 

51.35 

102.32 

I53-IO 

204.03 

255-5I 

308.02 

362.16 

14Pay.L. 


Am.3% 


Of  Life  Insurance. 

131 

Table  No.  XXIX. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLICIES 

BY 

FOURTEEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Age. 

8th 

9th 

10th 

11th 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

210.15 

240.91 

272.80 

305.88 

340.I7 

375-74 

412.63 

21 

213.85 

245-15 

277.61 

311 .26 

346.16 

382.35 

419.88 

22 

217.67 

249-53 

282.56 

316.81 

352.32 

389.15 

427.36 

23 

221 .60 

254.03 

287.66 

322.51 

358.66 

396.16 

435- °4 

24 

225.65 

258.67 

292.90 

328.39 

365.I9 

403-36 

442.95 

25 

229.82 

263.44 

298.29 

334-43 

37I.9I 

410.77 

45I-07 

26 

234.O9 

268.33 

303.84 

340.64 

378.81 

418.37 

459-42 

27 

238.50 

273.38 

309.54 

347.02 

385.88 

426.19 

468.00 

28 

243.02 

278.56 

3I5.39 

353-57 

393.16 

434.21 

476.80 

29 

247.67 

283.88 

321.40 

360 . 29 

400 . 62 

442.44 

485.83 

30 

252.45 

289.33 

327.56 

367.18 

408.27 

450.89 

495- 10 

31 

257-33 

294.92 

333-87 

374.25 

416. II 

459-54 

504.59 

32 

262.34 

300.64 

340.34 

381.49 

424.I5 

468.39 

5H.30 

33 

267.47 

306.51 

346.96 

388.89 

432.36 

477r45 

524.23 

34 

272.72 

3I2-5I 

353-74 

396.46 

440.76 

486.71 

534-37 

35 

278.10 

318.65 

360.65 

404 . 20 

449-33 

496.14 

544.7o 

36 

283.58 

324.90 

367.72 

412.08 

458.06 

505.75 

555-22 

37 

289.18 

33I-3° 

374.91 

420.IO 

466.94 

5i5.5i 

565.89 

38 

294.89 

337-79 

382.23 

428.25 

475-94 

525.39 

576.71 

39 

300.70 

344-41 

389.65 

436.50 

485.05 

535.40 

587-67 

40 

306.60 

35i.io 

397-15 

444.84 

494.26 

545.51 

598.74 

4i 

312.57 

357-86 

404.72 

453.25 

503.53 

555.71 

609.92 

42 

318.58 

364.66 

412.33 

461.69 

512.86 

565.96 

621.18 

43 

324.61 

37I-48 

419.95 

470.16 

522.21 

576-27 

632.51 

44 

33° -65 

378.29 

427.58 

478.62 

53L58 

586.60 

643.89 

45 

336.66 

385.09 

435-i8 

487.08 

540.93 

596.93 

655-30 

46 

342.63 

391.83 

442.73 

495.48 

550.25 

607,24 

666.72 

47 

348.54 

398.50 

450.20 

503.8I 

559.50 

617.51 

678.13 

48 

354.36 

405.09 

457-59 

512.05 

568.67 

627.72 

689.50 

49 

360.08 

4II-56 

464.85 

520.17 

577-73 

637-83 

700.83 

50 

365-70 

417.90 

471.98 

528.15 

586.65 

647.82 

712.08 

5i 

371-17 

424.10 

478-95 

535-95 

595.40 

657.68 

723.24 

52 

376.49 

430.12 

485.72 

543-55 

603.97 

667.37 

734.27 

53 

381.64 

435-94 

492.26 

55o.94 

612.31 

676.85 

745.i6 

54 

386.58 

441.52 

498.58 

558.05 

620.40 

686.11 

755-88 

55 

391.29 

446.86 

504 . 60 

564.89 

628.18 

695.11 

766.41 

56 

395-77 

451.92 

510.32 

571-37 

635.65 

703.80 

776.73 

57 

399-97 

456.67 

5I5.68 

577-5J 

642.75 

712.18 

786.82 

58 

403.88 

461.05 

520.67 

583.22 

649.44 

720.20 

796.67 

59 

407.44 

465.07 

525.21 

588.50 

655.70 

727.84 

806.28 

60 

410.64 

468.64 

529.29 

593.27 

661.48 

735-" 

815.69 

61 

413.41 

471-74 

532.84 

597-5° 

666.77 

742.00 

824.93 

62 

415.73 

474.31 

535.82 

601.19 

671.58 

748.53 

834.01 

63 

417-52 

476.30 

538.22 

604.31 

675.9I 

754.72 

842.97 

64 

418.74 

477.69 

540.03 

606.89 

679.77 

76o.55 

851.80 

65 

419.42 

478.52 

§41.29 

608.98 

683.17 

766.03 

860.49 

66 

419.60 

478.89 

542.11 

610.60 

686.13 

771.12 

869.06 

67 

419.43 

478.92 

542-55 

611.79 

688.59 

775-79 

877-42 

68 

419.08 

478.73 

542.71 

612.58 

690.61 

779-95 

885.60 

69 

418.75 

478.49 

542.67 

613.07 

692.05 

783-58 

893.63 

70 

418.63 

478.30     542.55 

613.07 

692.92 

786.69 

901.59 

Am.3* 


19Pay.L 


I32 


Principles  and  Practice 


Table  No.  XXX. 

KT 

TERMINAL  NET  VALUES  PER  81000  OF  WHOLE  LIFE  POLICIES 

BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE, 

THREE  PER  CENT. 

Ace. 

1st 

2d 

3d 

4th 

5th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

16.99 

34.58 

52.79 

71.65 

91.17 

21 

17-3I 

35-24 

53-79 

73.00 

92.91 

22 

17.64 

35-91 

54.82 

74.41 

94.69 

23 

17.99 

36.61 

55.89 

75-86 

96.53 

24 

18-34 

37-34 

57.OO 

77-35 

98.43 

25 

18.72 

38.08 

58.13 

78.89 

IOO.37 

26 

19.09 

38.84 

59-3° 

80.46 

102.38 

27 

19.48 

39.64 

60.50 

82.09 

104.44 

28 

19.88 

40.44 

61.74 

83.77 

106.57 

29 

20.29 

41.28 

63.01 

85.50 

108.75 

30 

20.72 

42.15 

64.33 

87.27 

III. OO 

31 

21.15 

43 -°4 

65.67 

89.08 

II3.3I 

32 

2I.6l 

43-95 

67.06 

90.96 

115.68 

33 

22.o6 

44.88 

68.48 

92.88 

Il8. II 

34 

22.54 

45-85 

69-95 

94.86 

I20.6l 

35 

23.04 

46.85 

71.46 

96.89 

123.17 

36 

23-54 

47.87 

73.00 

98.96 

125.78 

37 

24.06 

48.91 

74.58 

101 .09 

128.48 

38 

24.59 

49.98 

76.20 

103.28 

131.23 

39 

25.14 

51.09 

77-88 

105.53 

I34.07 

40 

25.70 

52.22 

79-59 

107.84 

136.96 

4i 

26.29 

53-40 

8i.37 

110.20 

139.94 

42 

26.88 

54.61 

83.18 

112.62 

142.96 

43 

27.5I 

55.84 

85.04 

115.09 

146.03 

44 

28.13 

57-IO 

86.92 

"7-59 

149-12 

45 

28.78 

58.39 

88.83 

120. 11 

152.23 

46 

29.43 

59.68 

9o.75 

122.63 

I55.32 

47 

30.IO 

60.99 

92.67 

125.14 

158.40 

48 

3° -77 

62.29 

94.58 

127.63 

161.45 

49 

31.42 

63.58 

96.47 

130.09 

164.46 

50 

32.08 

64.86 

98.35 

132.54 

167.45 

51 

32-73 

66.14 

100.22 

134.98 

170.42 

52 

33-39 

67.43 

102.09 

137.40 

173-35 

53 

34.06 

68.71' 

103.97 

139.81 

176.27 

54 

34.7i 

70.00 

105.82 

142.21 

I79.I5 

55 

35-39 

71.28 

107.68 

144.59 

182.01 

56 

36-°5 

72.57 

109.54 

146.95 

184.83 

57 

36.74 

73-87 

111.40 

149-32 

187.62 

58 

37.4i 

75.17 

113-25 

151.64 

190.34 

59 

38.10 

76.47 

115.09 

153-93 

193.04 

60 

38.79 

77.76 

116.90 

156.21 

I95-67 

61 

39-47 

79.04 

118. 71 

158.44 

198.23 

62 

40.15 

80.35 

120.51 

160.65 

200.72 

63 

40.87 

81.65 

122.32 

162.81 

203.14 

64 

41.57 

82.95 

124.06 

164.91 

205.46 

65 

42.28 

84.21 

125.79 

166.95 

207.69 

66 

42.97 

85.49 

127.49 

168.94 

209.83 

67 

43-69 

86.75 

129.18 

170.91 

211 .97 

68 

44-38 

88.01 

130.84 

172.88 

214.20 

69 

45 -°9 

89.29 

132.57 

175.02 

216.77 

70 

45.82 

90.61 

134.50 

177-56 

219.95 

19Pay.L. 


Am. 


Of  Life  Insurance. 


!33 


Table  No. 

XXX. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLICIES 

BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE, 

THREE  PER  CENT. 

Age. 

6th 

7th 

8th 

9th 

10th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

Ill .41 

132.36 

154.06 

176.54 

199.81 

21 

II3-52 

134-86 

156.97 

179.86 

203.58 

22 

II5.69 

137.44 

159.96 

183.29 

207.45 

23 

117.94 

I4O.IO 

163.05 

186.82 

211.44 

24 

120.24 

142.83 

166.23 

190.46 

215.54 

25 

122.62 

145 -65 

169.50 

194.19 

219-75 

26 

125.06 

148.55 

172.86 

198.02 

224.08 

27 

127.58 

I5L53 

176.31 

201.97 

228.54 

28 

130.16 

154.58 

179.86 

206.03 

233-11 

29 

132.82 

157.73 

I83.5I 

210.19 

237.78 

30 

I35-56 

160.97 

187.26 

214.45 

242.59 

31 

138.37 

164.29 

191.09 

218.82 

247.50 

32 

141.25 

167.68 

195.02 

223.29 

252.54 

33 

144.19 

171 .16 

199.04 

227.88 

257.69 

34 

147.22 

174-73 

203.17 

232.57 

262.97 

35 

I50-32 

178.39 

207.40 

237.38 

268.36 

36 

I53-50 

182.14 

2H.72 

242.28 

273.86 

37 

156.76 

185.98 

216.14 

247.30 

279.46 

38 

160.IO 

189.89 

220.65 

252.40 

285.16 

39 

163.52 

i93-9i 

225.26 

257.59 

290.93 

40 

167.OI 

197.99 

229.93 

262.84 

296.75 

4i 

170.58 

202.15 

234.67 

268.15 

302.61 

42 

174.19 

206.35 

239-43 

273.47 

308.48 

43 

177.86 

210.58 

244.22 

278.79 

314-34 

44 

l8l.53 

214.80 

248.99 

284.09 

320.17 

45 

185.20 

219.03 

253-74 

289.37 

325.95 

46 

188.85 

223.21 

258.45 

294.58 

331.66 

47 

192.47 

227.36 

263.10 

299.73 

337-29 

48 

196.05 

231.46 

267.69 

3°4-79 

342.81 

49 

199.59 

235-50 

272.21 

309.77 

348.22 

50 

203.09 

239.48 

276.65 

314.64 

353-52 

5i 

206.55 

243.40 

281 .01 

319.41 

358.67 

52 

209.97 

247.26 

285.28 

324.07 

363.68 

53 

213-34 

251.06 

289.47 

328.60 

368.52 

54 

216.67 

254.79 

293.54 

332-98 

373.20 

55 

219.95 

258.43 

297.49 

337-23 

377.70 

56 

223.16 

261.97 

30I-35 

341.31 

381.98 

57 

226.31 

265.45 

305 -07 

345.23 

386.02 

58 

229.40 

268.80 

308.63 

348.92 

389.80 

59 

232.40 

272.04 

312.00 

352.38 

393.28 

60 

235.30 

275.11 

3i5.i8 

355-57 

396.41 

61 

238.08 

278.04 

318-13 

358.47 

399.18 

62 

240 . 76 

280.78 

320.85 

361 .06 

401 .60 

63 

243. 31 

283.36 

323.33 

363.38 

403.75 

64 

245.72 

285.73 

325.59 

365.50 

405.73 

65 

248.00 

287.97 

327.75 

367.58 

407.76 

66 

250.20 

290.19 

329.97 

369.82 

4IO.06 

67 

252.46 

292.56 

332.49 

372.51 

412.85 

68 

254.96 

295-35 

335-59 

375-86 

416.40 

69 

258.00 

298.86 

339-55 

380 . 20 

420.95 

70 

261.86 

303-41 

344.71 

385.80  ' 

426.84 

Am.3* 


19Pay.L 


134 

Principles  and  Practice 

Table  No. 

XXX. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLICIES 

BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE, 

THREE  PER  CENT. 

Age. 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

223.93 

248.92 

274.81 

301.62 

329.42 

21 

228.14 

253-59 

279.95 

307.26 

335-56 

22 

232.48 

258.39 

285.24 

313.06 

341.88 

23 

236.93 

2(>3-33 

290.69 

319.02 

348.37 

24 

241.51 

268.42 

296.28 

325-I5 

355-°4 

25 

246.23 

273.64 

302.03 

331-43 

361.88 

26 

251 .06 

279.OO 

307.92 

337.87 

368.89 

27 

256.03 

284.49 

3I3-97 

344.48 

376.08 

28 

26l .12 

290.13 

320.16 

35L25 

383.45 

29 

266.35 

295-9I 

326.51 

358.19 

391 .OO 

30 

27I.7O 

3°1.83 

333 -ox 

365.29 

398.70 

31 

277.18 

307.89 

339.66 

•      372.54 

406.58 

32 

282.79 

314.09 

346.46 

379.96 

414.62 

33 

288.53 

320.41 

353-40 

387-51 

422.79 

34 

294-39 

326.88 

360.47 

395.20 

431.IO 

35 

3OO.38 

333-47 

367.66 

403.00 

439-53 

36 

306.47 

340.16 

374.96 

410.90 

448.04 

37 

312.67 

346.95 

382.34 

418.88 

456.62 

38 

3I8-95 

353-82 

389.78 

426.92 

465.25 

39 

325-30 

360.73 

397.28 

434-99 

473-93 

40 

33I-69 

367.68 

404.79 

443.08 

482.61 

4i 

33s -IO 

374.65 

412.32 

451.17 

491.29 

42 

344.51 

381.60 

419.82 

459-23 

499.92 

43 

35° -9° 

388.52 

427.28 

467.24 

508.50 

44 

357-24 

395-39 

434.66 

475-17 

516.99 

45 

363.54 

402 . 18 

441.97 

482.99 

525-38 

46 

369-73 

408.87 

449.15 

490.69 

533-62 

47 

375 -84 

4I5-44 

456.20 

498.24 

541.69 

48 

381.81 

421.87 

463.09 

505.60 

549.56 

49 

387-65 

428.14 

469.79 

512.75 

557-22 

5o 

393-35 

434.23 

476.28 

519.68 

564.63 

51 

398.87 

440 . 1 1 

482.55 

526.35 

57I-76 

52 

404 . 2 1 

445-79 

488.57 

532.75 

578.57 

53 

409.37 

45I-24 

494-33 

538.83 

585.06 

54 

414.30 

456.44 

499-77 

544-57 

591.15 

55 

419.01 

461.34 

504.89 

549-93 

596.84 

56 

423-45 

465.93 

5°9-63 

554.87 

602.06 

57 

427.61 

470.16 

5I3-96 

559-34 

606.80 

58 

431.42 

474.00 

517.82 

563-31 

611.03 

59 

434.87 

477-39 

521 .20 

566.77 

614.76 

60 

437-9° 

480.32 

524.08 

569.75 

618.03 

61 

440.51 

482.80 

526.54 

572.31 

620.92 

62 

442.76 

484.94 

528.66 

574-57 

623.47 

63 

444 • 76 

486.86 

530.60 

576.62 

625.78 

64 

446 . 66 

488.73 

532.47 

578.57 

627.87 

65 

448.67 

490.72 

534.45 

580.49 

629.85 

66 

45° -99 

493 -°3 

536.63 

582.54 

631.59 

67 

453-84 

495-78 

539-19 

584.61 

633-23 

68 

457-4Q 

499.22 

542.12 

586.94 

634.99 

69 

462 .00 

5°3-4i 

545-77 

589-97 

637-53 

70 

467.71 

508.79 

55° -7° 

594.51 

641.57 

19Pay.L. 


Am.3% 


Of  Life  Insurance. 


i35 


Table  No.  XXX.— Concluded. 

TERMINAL  NET  VALUES  PER  Izooo  OF  WHOLE  LIFE  POLICIES 

BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 


Age. 


20 
21 
22 
23 

24 
25 
26 
27 
28 
29 

30 
31 
32 

33 
34 
35 
36 
37 
38 
39 
40 
4i 
42 
43 
44 
45 
46 

47 
48 

49 
50 
5i 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 
66 
67 
68 
69 
70 


16th 

Year. 


358.22 
364.89 

37L75 
378.78 
386.OI 
393.42 
401.03 
408.82 
416.80 
424.96 

433.30 
441 .82 
450.49 

459-3° 
468 . 24 

477-29 
486.43 

495.63 
504.89 
514.18 

523-48 

532.76 
542.01 

551.19 
560.29 
569.27 
578.09 

586.75 
595-21 
603.43 
611.39 
619.05 
626.40 

633.37 
639.96 
646 . 1 1 

651.79 
656.99 
661.73 
666.00 
669.87 

673-34 
676,44 
679.21 
681.69 
683.76 

685.45 
686.89 
688.44 
69°.55 
693.61 


17th 

Year. 


388.07 
395-28 
402 . 68 
410.29 
418.10 
426.11 
434.32 
442.73 
45L34 
460.14 

469.13 
478.30 
487.62 
497.08 
506.67 
516.36 
526.14 
536.00 
545.90 
555-84 

565.79 

575-73 
585.62 
595.46 
605 .22 
614.85 

624.33 
633.67 
642 . 78 
651.68 
660 . 29 
668.64 
676.64 
684 . 29 
691.54 
698.38 
704 . 80 
710.79 
716.38 
721.58 
726.41 
730.86 
734.9o 
738.57 
741.75 
744.44 
746.67 
748 . 60 

750.41 
752.20 

754.03 


18th 

Year. 


419.OI 
426.77 
434.76 
442.95 
451.36 
459.98 
468.82 

477.87 
487.14 

496.59 
506.25 
516.07 
526.06 
536.19 
546.45 
556.81 
567.27 
577.81 
588.40 

599.03 
609.68 
620.32 
630.93 

641.49 
651.98 
662.36 
672.61 
682.71 
692.63 
702.33 
711.79 
720.98 
729.87 

738-44 
746.66 

754-54 
762 .09 
769.32 
776.26 
782.90 
789.24 

795.25 
800.91 
806.14 
810.93 
815.28 
819.26 
822.87 
826.00 
828.49 

830.15 


19th 

Year. 


45I"°7 
459.42 
468.00 
476.80 
485.83 
495.IO 

504.59 
514.30 
524.23 
534-37 

544.70 
555.22 
565.89 
576.71 
587-67 
598.74 
609.92 
621.18 
632  .51 
643.89 

655.30 
666.72 

678.13 
689.50 
700.83 
712.08 
723.24 
734.27 
745-16 
755-88 
766.41 

776.73 
786.82 
796.67 
806.28 
815.69 

824.93 
834.01 
842.97 
851.80 
860.49 
869.06 
877.42 
885.60 

893.63 
901.59 
909.51 
917.32 
924.88 
932.02 

938.75 


Am.3* 


9Yr.End 


136 


Principles  and  Practice 


Table  No.  XXXI. 

TERMINAL  NET  VALUES  PER  $1000  OF  NINE-YEAR  ENDOW- 

MENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

MATURITY,   AMERICAN   EXPERIENCE,   THREE 

PER  CENT. 

1st 

2d 

3d 

4th 

5th           6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

95-29 

194.17 

296.78 

403.29 

513.84 

628.62 

747-77 

871.50 

21 

95-27 

194.13 

296.73 

403.23 

5I3-79 

628.56 

747-73 

871.48 

22 

95-25 

194.IO 

296.69 

403.19 

513.74 

628.51 

747.69 

87I-45 

23 

95-23 

194.07 

296.66 

403 • 14 

513.68 

628.46 

747.64 

871.42 

24 

95.22 

194.05 

296.62 

403.08 

5I3.63 

628.40 

747-59 

87I-39 

25 

95-24 

194.04 

296.59 

403.05 

5I3.58 

628.35 

747-55 

871.36 

26 

95.18 

193.97 

296.51 

402.97 

5I3.49 

628.27 

747.48 

871.32 

27 

95.16 

193-93 

296.46 

402.90 

513.42 

628.20 

747.42 

871.28 

28 

95-J5 

193.90 

296.40 

402.83 

5J3-34 

628.12 

747-35 

871.24 

29 

95.12 

193.85 

296.34 

402.75 

513-26 

628.04 

747.28 

871.20 

30 

95-°9 

193.80 

296.27 

402.67 

5I3-I7 

627.96 

747.21 

871.15 

3i 

95-o7 

193-75 

296.20 

402.58 

5x3-07 

627.85 

747.13 

871.10 

32 

95-°4 

193.70 

296.12 

402.49 

5I2-97 

627.75 

747-03 

871 .04 

33 

95.01 

I93-63 

296.04 

402.38 

512.86 

627.64 

746.93 

870-97 

34 

94.98 

I93-58 

295-95 

402 . 28 

5I2-73 

627.51 

746.83 

870.91 

35 

94-95 

i93-5i 

295.86 

402.16 

512.60 

627.37 

746.71 

870.83 

36 

94.90 

193-44 

295-75 

402.02 

512.44 

627.22 

746.57 

870.74 

37 

94.88 

I93-36 

295-63 

401.88 

512.28 

627.06 

746.43 

870.65 

38 

94.82 

193.26 

295-50 

401.71 

512.10 

626.87 

746.27 

870.55 

39 

94-77 

193 -!7 

295-36 

401.54 

511. 91 

626.68 

746.10 

870.43 

40 

94.72 

193.07 

295.22 

401.36 

511.70 

626.46 

745.90 

870.31 

4i 

94.67 

192.96 

295.07 

401 .16 

5" -47 

626.23 

745-69 

870.17 

42 

94.61 

192.85 

294.90 

400.95 

511.22 

625.97 

745-45 

870.01 

43 

94.56 

192.73 

294.72 

400.71 

5IO-95 

625.67 

745-i8 

869.83 

44 

94.49 

192.60 

294.52 

400.45 

510.64 

625.34 

744.88 

869.62 

45 

94-43 

192.46 

294.30 

4OO.16 

510.28 

624.95 

744.52 

869.38 

46 

94-34 

192.29 

294.04 

399.81 

509.86 

624.51 

744.12 

86q.ii 

47 

94.26 

192. 1 1 

293-74 

399.40 

509.37 

624.OO 

743.66 

868.81 

48 

94.15 

191.87 

293-37 

398.91 

508.81 

623.41 

743-13 

868.46 

49 

94.01 

191.58 

292.94 

398.36 

508.17 

622.74 

742.53 

868.07 

50 

93.86 

191.26 

292.45 

397-73 

507.44 

621.98 

741.85 

867.63 

5i 

93-67 

190.89 

291 .90 

397.02 

506.62 

621.14 

741.10 

867.13 

52 

93-47 

190.47 

291.28 

396.22 

505-7° 

620.19 

740.25 

866.58 

53 

93-25 

190.00 

290.58 

395-33 

504.67 

619.13 

739-31 

865.97 

54 

92.98 

189.48 

289.80 

394-33 

503-53 

6I7.95 

738.27 

865.28 

55 

92.70 

188. 8q 

288.93 

393.23 

502.27 

616.65 

737-IO 

864.52 

56 

92.37 

188.24 

287.97 

392.00 

500.86 

615.19 

735.8o 

863.67 

57 

92.01 

187.53 

286.92 

390.65 

499-31 

613.58 

734-37 

862.73 

58 

91.63 

186.75 

285.76 

389.16 

497-58 

611. 81 

732.78 

861.68 

59 

91 .21 

185.88 

284.47 

387-51 

495.68 

609.84 

731.01 

860.51 

60 

90.74 

184.92 

283.04 

385-69 

493-59 

607 . 66 

729.05 

859.22 

61 

90.21 

183.87 

281 .49 

383.69 

491 .28 

605.25 

726.88 

857.78 

62 

89.65 

182.73 

279.79 

381.50 

488.73 

602.59 

724.48 

856.18 

63 

89.04 

181.50 

277-93 

379.09 

485 -93 

599.65 

721 .81 

854.41 

64 

88.38 

180.13 

275.88 

376.43 

482.83 

596.40 

718.86 

852.43 

65 

87.64 

178.61 

273.61 

373-49 

479-39 

592.78 

715-57 

850.24 

66 

86.83 

176.96 

271 .11 

370.24 

475-58 

588.76 

7"-93 

847.82 

67 

85-94 

175-n 

268.33 

366.61 

47I-32 

584.30 

707.90 

845-T5 

68 

84.93 

173.06 

265 .21 

362.55 

466.61 

579-40 

7°3-49 

842 .22 

69 

83.82 

i7o-75 

261 .74 

358.09 

461 .48 

574.o8 

698.69 

839.01 

70 

82.57 

168.20 

257-97 

353-30 

456.00 

568.38 

693-52 

835.50 

14Yr.End. 


Am.3* 


Op 

Life  Insurance. 

w 

Table  No.  XXXII. 

TERMINAL   NET   VALUES    PER    $1,000 

OF    FOURTEEN-YEAR 

ENDOWMENT  POLICIES  BY 

EQUAL 

ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN 

EXPERIENCE, 

THREE  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

55-51 

113.07 

172.80 

234.76 

299.07 

365.80 

435-o6 

21 

55 

48 

113.04 

172.75 

234.71 

299.OI 

365.74 

434.98 

22 

55 

47 

113.02 

172.72 

234.68 

298.96 

365.67 

434.91 

23 

55 

46 

II3.OO 

172.71 

234.64 

298.92 

365.60 

434.84 

24 

55 

45 

112.99 

172.67 

234.59 

298.86 

365.55 

434-77 

25 

55 

45 

112.96 

172.63 

234.55 

298.80 

365.47 

434.69 

26 

55 

43 

112.93 

172.59 

234.49 

298.73 

365.40 

434.6o 

27 

55 

42 

112 .91 

172.56 

234.44 

298.66 

365.32 

434.51 

28 

55 

4i 

II2.89 

172.51 

234.39 

298.60 

365-23 

434.41 

29 

55- 

39 

II2.8S 

172.47 

234.32 

298.51 

365-I4 

434.30 

30 

55- 

38 

II2.83 

172.43 

234.27 

298.44 

365.05 

434.20 

31 

55- 

37 

112. 8l 

172.39 

234.21 

298.36 

364.95 

434.09 

32 

55 

36 

II2.77 

172.34 

234.14 

298.28 

364.86 

433-97 

33 

55 

34 

II2.74 

172.29 

234.07 

298.19 

364.74 

433-83 

34 

55 

33 

II2.72 

172.25 

234.01 

298.10 

364.62 

433-69 

35 

55- 

32 

II2.69 

172.21 

233-94 

298.00 

364.50 

433-53 

36 

55 

3i 

II2.67 

172.15 

233.86 

297.89 

364.36 

433-37 

37 

55 

3° 

II2.63 

172.10 

233-78 

297.78 

364.22 

433-21 

38 

55 

28 

II2.59 

172.03 

233.69 

297.67 

364.08 

433-03 

39 

55  - 

27 

II2.57 

171.99 

233-63 

297.58 

363.95 

432.87 

40 

55 

26 

II2-55 

J7i.95 

233.56 

297.48 

363.81 

432.68 

41 

55 

26 

112.54 

i7i-93 

233-5I 

297.39 

363.68 

432.50 

42 

55 

27 

112.55 

171. 91 

233-46 

297.30 

363.53 

432.29 

43 

55 

28 

112.55 

171.90 

233-41 

297.20 

363.37 

432.05 

44 

55 

29 

112.56 

171.88 

233-36 

297.09 

363.17 

431-75 

45 

55 

32 

112.57 

171.87 

233-30 

296.94 

362.92 

43I-4o 

46 

55 

32 

112.58 

171.84 

233-19 

296.73 

362.61 

430.98 

47 

55 

34 

112.58 

171.78 

233-04 

296.48 

362.24 

430.48 

48 

55 

35 

II2-55 

171.68 

232.84 

296.16 

361.79 

429.89 

49 

55 

33 

112.48 

*7i.53 

232.58 

295.78 

361.26 

429.21 

50 

55 

32 

112.40 

*7l-35 

232.29 

295-33 

360.65 

428.44 

5i 

55 

28 

112.30 

171. 16 

231-95 

294.83 

359-97 

427.57 

52 

55 

25 

112. 19 

170.92 

23!-56 

294.26 

359-20 

426.60 

53 

55 

21 

112.05 

170.65 

231.12 

293.62 

358.34 

425.53 

54 

55 

i5 

in  .90 

!70-34 

230.62 

292.91 

357-40 

424.35 

55 

55 

10 

in. 73 

170.01 

230.09 

292.14 

356.37 

423.04 

56 

55 

°3 

in. 54 

169.65 

229.51 

291.30 

355.23 

421 .61 

57 

54 

95 

in. 34 

169.26 

228.88 

290.37 

353-99 

420.04 

58 

54 

89 

in. 13 

168.85 

228.19 

289.37 

352.65 

418.35 

59 

54 

81 

110.90 

168.39 

227.44 

288.29 

35i.i9 

416.49 

60 

54 

73 

110.65 

167.90 

226.65 

287.13 

349.60 

414.46 

61 

54 

64 

110.38 

167.37 

225.79 

285.84 

347.85 

412  .22 

62 

54 

•54 

no. 10 

166.81 

224.84 

284.43 

345-93 

409 . 74 

63 

54 

•45 

109.81 

166.18 

223.79 

282.87 

343-78 

406.97 

64 

54 

•34 

109.45 

165.46 

222.60 

281 .10 

341.36 

403.86 

65 

54 

.19 

109.03 

164.64 

221 .23 

279.10 

338.62 

400.35 

66 

54 

•°3 

108.56 

163.71 

219.71 

276.85 

335.58 

396.53 

67 

53 

•85 

108.01 

162.65 

217.99 

274.36 

332.29 

392.48 

68 

53 

.62 

107.40 

161.48 

216. n 

271.73 

328.91 

388.38 

69 

53 

•39 

106.73 

160.23 

214.21 

269.16 

325.66 

384.46 

70 

53 

.12 

106.05 

I59-05 

212.50 

266.89 

322.81 

380.99 

Am.3* 


HYr.End 


138 

Principles  and 

Practice 

Table  No.  XXXII. - 

—Concluded 

TERMINAL   NET   VALUES   PER 

$1,000    OF 

FOURTEEN-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE 

} 

THREE  PER 

CENT. 

Age. 

8th 

9th 

10th 

11th 

12th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

506.94 

581.56 

659.04 

739-49 

823.04 

909.83 

21 

506.87 

581.49 

658.96 

739-42 

822 .99 

909.80 

22 

506.79 

581.41 

658.89 

739-35 

822.93 

909.77 

23 

506.70 

581.32 

658.81 

739.28 

822.87 

909.73 

24 

506.63 

581.24 

658.72 

739.20 

822.81 

909.69 

25 

5o6-54 

581.15 

658.63 

-  739-n 

822  .74 

909.65 

26 

506.44 

581.04 

658.53 

739.02 

822.66 

909 . 60 

27 

506.34 

580.94 

658.42 

738.93 

822.58 

9°9-55 

28 

506.24 

580.83 

658.31 

738.82 

822.50 

909.50 

29 

506.12 

580.71 

658.19 

738.70 

822.40 

909.44 

30 

506.00 

580.58 

658.06 

738.58 

822.30 

909.38 

31 

505.88 

580.44 

657.92 

738.45 

822.19 

909.31 

32 

505-73 

580.29 

657.76 

738.30 

822.06 

909.23 

33 

505-58 

580.12 

657-59 

738.14 

821.93 

909.15 

34 

505-42 

579-94 

657-4I 

737-96 

821.79 

909.06 

35 

505-24 

579-76 

657.21 

737-78 

821.63 

908.96 

36 

505.06 

579-55 

657.00 

737-57 

821.45 

908.84 

37 

504.87 

579-34 

656.77 

737-35 

821.25 

908 . 72 

38 

504.66 

579-n 

656.53 

737-io 

821 .04 

908.58 

39 

504-45 

578.86 

656.26 

736.83 

820.79 

908.42 

40 

504-23 

578.6o 

655-96 

736.52 

820.52 

908.24 

4i 

5°3-99 

578.30 

655-62 

736.i8 

820.21 

908.04 

42 

503-7I 

577-96 

655-24 

735.78 

819.87 

907.81 

43 

503-38 

577-56 

654-79 

735-33 

819.47 

907.56 

44 

503.00 

577-io 

654.28 

734-82 

819.02 

907.26 

45 

502.55 

576.57 

653-70 

734.23 

818.51 

906.93 

46 

502.02 

575-94 

653.02 

733.56 

817.92 

906.56 

47 

501.40 

575-23 

652.25 

732.79 

817.26 

906.14 

48 

500.69 

574-41 

65I-37 

73L93 

8l6.52 

905.66 

49 

499.86 

573-47 

650.37 

730.95 

815.68 

905 -!3 

50 

498.93 

572.43 

649.26 

729.86 

814.74 

904-53 

5i 

497.90 

571.26 

648.02 

728.65 

813.70 

903.86 

52 

496.75 

569.96 

646 . 64 

727.29 

812.53 

903.12 

53 

495-47 

568.51 

645  - 10 

725-79 

811 .24 

902.29 

54 

494.05 

566.91 

643.40 

724.12 

809.80 

901.37 

55 

492.49 

565-15 

64I-53 

722.28 

808.21 

900-35 

56 

490.79 

563.22 

639-47 

720.24 

806.44 

899.21 

57 

488.92 

561.10 

637.19 

717.99 

804.48 

897.94 

58 

486.87 

558.76 

634.69 

7i5-5o 

802.31 

896.54 

59 

484.63 

556.20 

631.92 

712.75 

799.91 

894.97 

60 

482.18 

553-38 

628.88 

709.70 

797-23 

893.24 

61 

479-45 

550.25 

625.48 

706.31 

794.27 

891.32 

62 

476.44 

546.76 

621 .69 

702.54 

790.98 

889 . 20 

63 

473.06 

542.86 

617.49 

698.37 

787.36 

886.85 

64 

469.27 

538.53 

612.86 

693.81 

783.39 

884.26 

65 

465.07 

533-8o 

607.83 

688.85 

779.06 

881.41 

66 

460.55 

528.74 

602.46 

683.54 

774.37 

878.27 

67 

455-82 

523-46 

596.84 

677.91 

769.30 

874.82 

68 

451.06 

518.12 

591.09 

672 .02 

763.92 

871 .04 

69 

446.49 

512.90 

585-30 

665.97 

758.13 

866.88 

70 

442.30 

507-94 

579.62 

659.66 

751-93 

862.31 

19Yr.End. 


Am.3* 


Of 

Life  Insurance;. 

139 

Table  No.  XXXIII. 

TERMINAL  NET  VALUES  PER  $1000  OF  NINETEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,    AMERICAN    EXPERIENCE, 

THREE  PER 

CENT. 

1st 

2d 

3d 

4th 

5th 

6th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

37.OI 

75-38 

115. 16 

156.42 

199.22 

243.62 

21 

37.OO 

75-35 

115. 13 

156.39 

199.19 

243.58 

22 

36.99 

75-34 

XI5. 12 

156.38 

199.17 

243-55 

23 

36.99 

75-34 

115. 12 

156.37 

199.14 

243.52 

24 

36.99 

75-34 

115. II 

156.35 

199. !3 

243.49 

25 

36.99 

75-34 

115.10 

156.34 

199. II 

243.46 

26 

36.99 

75-33 

II5.O9 

156.32 

199.08 

243.42 

27 

36.98 

75-33 

II5.O9 

156.31 

199.06 

243.40 

28 

36.99 

75-34 

II5.O9 

156.31 

199.06 

243-38 

29 

37.OO 

75-34 

II5.O9 

156.31 

199.04 

243.36 

30 

37.OO 

75  -35 

115. IO 

156.31 

199.04 

243-35 

3i 

37.01 

75-36 

XI5,I1 

156.32 

199.05 

243.34 

32 

37.02 

75-37 

115-13 

156.34 

199.06 

243.35 

33 

37-03 

75-39 

II5. 16 

156.36 

199.08 

243.36 

34 

37.05 

75-43 

II5.20 

156.42 

199.12 

243.38 

35 

37.07 

75-47 

115.26 

156.46 

199.17 

243.43 

36 

37.IO 

75-53 

H5.32 

156.53 

199.24 

243-49 

37 

37-J4 

75-58 

115.39 

156.62 

199.33 

243.58 

38 

37-17 

75-64 

II5.48 

156.73 

199.45 

243.7I 

39 

37.22 

75-74 

II5.60 

156.88 

199.62 

243.87 

40 

37-28 

75-85 

115.76 

I57.07 

199.82 

244.08 

4i 

37-35 

75-99 

115.95 

I57.29 

200.07 

244.33 

42 

37-44 

76.15 

Il6. I7 

157-57 

200.36 

244.61 

43 

37-54 

76.34 

H6.43 

157-86 

200.68 

244.92 

44 

37.65 

76.55 

Il6. 71 

158.19 

201 .OI 

245.23 

45 

37.8o 

76.79 

II7.O3 

158.55 

201.37 

245-54 

46 

37-93 

77.04 

117.35 

158.89 

201 .71 

245.84 

47 

38.08 

77-31 

117.68 

159.25 

202.05 

246.13 

48 

38.24 

77-57 

Il8. OI 

159.60 

202.39 

246.42 

49 

38.39 

77.83 

H8.34 

I59.'95 

202 .72 

246 . 69 

5o 

38.55 

78.10 

II8.68 

160.34 

203.08 

246.98 

5i 

38.72 

78.40 

II9.06 

160.72 

203.45 

247.27 

52 

38.90 

78.72 

H9-45 

161. 15 

203.84 

247.59 

53 

39-n 

79.06 

H9.89 

161. 61 

204.27 

247-95 

54 

39-31 

79.42 

I2O.34 

162.IO 

204.74 

248.33 

55 

39-55 

79.83 

120.85 

162 .66 

205 .28 

248 . 78 

56 

39.80 

80.26 

121 .41 

163.26 

205.86 

249.25 

57 

40.08 

80.75 

122 .03 

163.94 

206.50 

249.78 

58 

40.38 

81.28 

I22.7O 

164.66 

207.18 

250.35 

59 

40.71 

81.85 

I23.4I 

165.43 

207.93 

250.97 

60 

41 .06 

82.46 

I24.I8 

166.26 

208.72 

251.61 

61 

41.42 

83.08 

124.99 

167.14 

209.54 

252.25 

62 

41.82 

83.78 

I25.87 

168.07 

210.40 

252.92 

63 

42.26 

84-54 

I26.80 

169.05 

211 .30 

253.59 

64 

42.72 

85.32 

I27.77 

170.07 

212.23 

254.29 

65 

43-19 

86.13 

I28.78 

I7i'i3 

&3-*9 

254.99 

66 

43-7° 

87.00 

I29.85 

172  .26 

214.21 

255-77 

67 

44-23 

87.90 

I3O.99 

173-45 

215.33 

256.77 

58 

44-78 

88.86 

I32.I8 

174.75 

216.69 

258.17 

69 

45-38 

89.88 

I33.50 

176.34 

218.53 

260.27 

70 

46.00 

91 .00 

I35-IO 

178.42 

221.13 

263.38 

Am.3* 


19Yr.End 


140 

Principles  and  Practice 

Table  No.  XXXIII. — Continued. 

TERMINAL  NET  VALUES  PER  Si 000  OF  NINETEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,    AMERICAN    EXPERIENCE, 

THREE  PER 

CENT. 

Age. 

7th 

8th 

9th 

10th 

11th 

12th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

289.68 

337-46 

387.04 

438.49 

491.89 

547-31 

21 

289.63 

337-40 

386.98 

438.41 

491 .80 

547-22 

22 

289.59 

337-30 

386.91 

438.35 

491-73 

547-14 

23 

289-55 

337-30 

386.85 

438.28 

491.64 

547-04 

24 

289.51 

337-25 

386.79 

438.20 

491.56 

546.95 

25 

289.47 

337-20 

386.73 

438.I3 

491.47 

546.85 

26 

289.42 

337.14 

386.65 

438.04 

49L37 

546.75 

27 

289.39 

337.09 

386.60 

437-97 

491.29 

546.64 

28 

289.35 

337.05 

386.54 

437.89 

491.19 

546.53 

29 

289.32 

337.oo 

386.48 

437.81 

491.09 

546.41 

30 

289.30 

336.97 

386.42 

437-73 

490.99 

546.28 

31 

289 . 29 

336.93 

386.36 

437.64 

490.88 

546.16 

32 

289.27 

336.89 

386.30 

437-56 

490.78 

546.03 

33 

289 . 26 

336.87 

386.25 

437-50 

490 . 68 

545-91 

34 

289.28 

336.86 

386.23 

437-44 

490.60 

545-79 

35 

289.30 

336.87 

386.21 

437-39 

490.52 

545.67 

36 

289.36 

336.91 

386.22 

437.38 

490.46 

545-57 

37 

289.44 

336.97 

386.26 

437-37 

490.40 

545.46 

38 

289.55 

337.07 

386.31 

437.38 

490-35 

545-33 

39 

289 . 7 I 

337-19 

386.39 

437-41 

490.30 

545.19 

40 

289.90 

337-35 

386.50 

437-42 

490.22 

545 .02 

4i 

290.12 

337-53 

386.60 

437-43 

490.13 

544.82 

42 

290.38 

337-72 

386.71 

437-43 

490.02 

544-59 

43 

290.64 

337-9° 

386.79 

437-40 

489.86 

544.3o 

44 

290.89 

338.06 

386.84 

437-34 

489.65 

543-95 

45 

291.14 

338.22 

386.88 

437-23 

489.40 

543-53 

46 

291.36 

338.34 

386.87 

437-07 

489.07 

543-03 

47 

291-57 

338.43 

386.82 

436.85 

488.67 

542.46 

48 

291 .76 

338.50 

386.73 

4;,6.58 

488.21 

541.80 

49 

291.94 

338.54 

386.60 

436.25 

487.67 

541.04 

50 

292.II 

338.56 

386.44 

435.89 

487.08 

540.21 

51 

292.29 

338.58 

386.26 

435.48 

486.40 

539-28 

52 

292.48 

338.60 

386.07 

435.02 

485.67 

538.26 

53 

292.70 

338.63 

385.85 

434-53 

484.88 

537.i6 

54 

292.94 

338.66 

385.62 

434.01 

484.03 

535-96 

55 

293.22 

338.71 

385-40 

433.46 

483.11 

534.65 

56 

293-52 

338.78 

385.17 

432.86 

482 .10 

533-22 

57 

293.87 

338.87 

384.91 

432.20 

480.99 

53I-63 

58 

294.24 

338-94 

384.60 

431-45 

479-74 

529.84 

59 

294.62 

338.99 

384.24 

430-58 

478.31 

527.81 

60 

294.99 

339.00 

383-78 

429.57 

476.67 

525-5I 

61 

295-35 

338.94 

383-2I 

428.38 

474.80 

522.98 

62 

295.68 

338.83 

382-52 

427.03 

472.77 

520.30 

63 

296.01 

338.66 

381.75 

425.61 

470.71 

517.61 

64 

296.31 

338.45 

380.98 

424.27 

468 . 78 

5i5-io 

65 

296.63 

33^-33 

380.39 

423.19 

467  - 19 

512.96 

66 

297.12 

338-49 

380 . 20 

422 .61 

466.17 

5".38 

67 

297-95 

339.15 

380.65 

422.79 

465 -93 

510.54 

68 

299.39 

340.59 

382.04 

423.98 

466.71 

510.71 

69 

3oi-74 

343.i6 

384.67 

426.48 

468.87 

5H-99 

70 

305-35 

347-  H 

388.85 

430.65 

472.50 

514.87 

19Yr.End. 


Am.3% 


Of 

Life  Insurance. 

141 

Table  ] 

So.  XXXIII— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  NINETEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,    AMERICAN    EXPERIENCE, 

THREE  PER 

CENT. 

Age. 

13th 

14th 

15th 

16th 

17th 

18th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

604.85 

664.59 

726.64 

791.09 

858.05 

927.65 

21 

604 . 76 

664.50 

726.55 

791 .01 

857.99 

927.61 

22 

604 . 66 

664.40 

726.46 

•    790.92 

857.92 

927-57 

23 

604.57 

664.30 

726.36 

790.83 

857.85 

927.52 

24 

604.47 

664 . 20 

726.25 

790.74 

857.77 

927.47 

25 

604.36 

664.09 

726.14 

790.63 

857.68 

927.42 

26 

604.25 

663.97 

726.02 

790.52 

857.59 

927.36 

27 

604.12 

663.83 

725.89 

790.39 

857.49 

927.30 

28 

604.00 

663.70 

725-75 

790.26 

857.38 

927.23 

29 

603.86 

663.55 

725.60 

790.12 

857.26 

927.16 

30 

603.72 

663.40 

725-44 

789.97 

857.13 

927.08 

31 

603.58 

663.24 

725.27 

789.81 

856.99 

926.99 

32 

603.42 

663.07 

725.09 

789.63 

856.83 

926.89 

33 

603.28 

662.90 

724.91 

789.44 

856.66 

926.78 

34 

603.13 

662.72 

724.70 

789.23 

856.48 

926.65 

35 

602.97 

662.52 

724.47 

788.99 

856.27 

926.52 

36 

602.81 

662.32 

724.24 

788.74 

856.03 

926.36 

37 

602 . 64 

662.08 

723.96 

788.45 

855.77 

926.19 

38 

602.43 

661.82 

723.64 

788.12 

855-48 

925.99 

39 

602.21 

661.52 

723.30 

787.75 

855.15 

925.78 

40 

601.95 

661.18 

722.90 

787.34 

854.77 

925-53 

4i 

601 .64 

660 . 79 

722.44 

786.87 

854.35 

925.26 

42 

601.30 

660.34 

721.93 

786.33 

853.88 

924.94 

43 

600.89 

659.81 

72L33 

785.72 

853-34 

924.59 

44 

600.39 

659.21 

720.65 

785.03 

852.73 

924.20 

45 

599-83 

658.53 

719.89 

784.26 

852.05 

923.76 

46 

599.18 

657-74 

719.02 

783.38 

851.28 

923.26 

47 

598.43 

656.85 

718.03 

782.39 

850.41 

922  .70 

48 

597.58 

655-84 

716.93 

781.28 

849.44 

922.07 

49 

596.62 

654.71 

715.69 

780.05 

848.36 

921.37 

50 

595-56 

653-47 

714.33 

778.68 

847.I5 

920.58 

51 

594.38 

652.08 

712.82 

777.16 

845.82 

919.71 

52 

593-1° 

650.56 

7H.I5 

775-47 

844.34 

918.75 

53 

591.69 

648.90 

709.31 

773.62 

842 . 70 

917.67 

54 

59°-i5 

647.07 

707.29 

771-57 

840.88 

916.48 

55 

588.47 

645.06 

705.06 

769.30 

838.86 

9I5.I6 

56 

586.61 

642.84 

702.58 

766.77 

836.62 

913.69 

57 

584.56 

640.36 

699.81 

763.97 

834.15 

912.08 

58 

582.24 

637.58 

696.74 

760.87 

831.42 

910.29 

59 

579.62 

634.49 

693.36 

757.47 

828.43 

908.33 

60 

576.73 

631.10 

689.68 

753-79 

825.17 

906.16 

61 

573-59 

627.48 

685.76 

749.85 

821.65 

903.78 

62 

57o-3i 

623.72 

681.67 

745.68 

817.84 

901 .16 

63 

567-05 

619.94 

677.49 

741-32 

813.80 

898.29 

64 

563-96 

616.28 

673-3I 

736.86 

809 . 46 

895.13 

65 

561 .20 

612.84 

669 . 24 

732.22 

804.82 

891.66 

66 

558.92 

609.78 

665.20 

727.42 

799.86 

887.87 

67 

557-32 

607.04 

661 .31 

722.56 

794.68 

883.72 

68 

556.40 

604.87 

657.83 

718.00 

789.50 

879.17 

69 

55^-59 

603.78 

655-46 

714.30 

784.53 

874.21 

70 

558.50 

604 . 66 

655-03 

711.97 

780.02 

868.80 

Am.3* 


5Yr.Term 


142 


Principles  and  Practice 


Table  No.  XXXIV. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON   FIVE-YEAR  TERM  POLICIES,  AMERICAN 

EXPERIENCE,   THREE   PER   CENT. 


Age. 


20 

21 
22 
23 
24 

25 
26 

27 
28 

29 

30 
31 
32 

33 
34 

35 
36 
37 
38 
39 

40 
4i 
42 
43 
44 

45 
46 
47 
48 
49 

50 
5i 
52 
53 
54 

55 
56 
57 
58 
59 

60 


Net 
Premiums. 


7.67 
7.72 
7.78 
7.83 
7.89 

7.96 
8.03 
8.IO 
8.18 

8.2? 

8.36 
8.46 
8.57 
8.69 
8.83 

8.97 
9.13 
9-3i 
9-5i 
9.72 

9.96 
10.22 
10.52 
10.86 
11.24 

11.68 
12.18 

!2-75 

13 .40 
14.14 

14.96 

15.88 

16.90 
18.04 

19-31 

20.71 
22.27 

23-99 
25.90 

28.00 


30-32 


Terminal  Net  Values  at  the  End  of 


1st 

Year. 


.10 

.10 
.10 
.11 
.12 

•13 
.14 

.15 
.16 

•17 

.19 
.21 
.22 
.24 
.26 

•30 
•32 
•36 
•39 
•43 

•47 
•53 
•59 
.67 
.76 

.88 
1. 00 
i.»5 

i-3i 
1.47 

1.65 
1.84 
2.05 
2.29 
2.54 

2.82 
3-u 
3-45 
3.83 
4.22 

4.66 


2d 

Year. 


•15 
•15 
.16 

•17 
.19 

.20 
.21 
•23 
•25 
.26 

•29 
•32 

•34 
•37 
.42 

-46 
•5i 
•56 
.61 
.67 

•74 

.83 

•94 

1 .06 

1. 21 

1.38 
i-59 
1.83 
2.07 
2-33 

2.60 
2.91 
3-24 
3.6i 
4.01 

4-44 
4.91 
5-45 
6.04 
6.68 

7-37 


3d 

Year. 


•15 
•*5 
•17 
.18 
.19 

.21 
.22 
.24 

•25 
.28 

•31 

•33 
.36 
•39 
•44 

•49 
•53 
•59 
.64 
.70 

.78 
.88 

•99 
1. 13 
1.28 

1.47 
1 .69 
1.94 
2.19 
2-45 

2.74 
3.06 
3-42 
3.80 
4.21 

4.67 
5.18 

5-75 
6-37 

7.04 

7-77 


4th 

Year. 


10 
10 
12 
x3 
J3 

14 
*5 
16 
18 
20 

21 

22 

25 
27 

31 

33 
38 
41 
45 
49 

•55 
61 
70 

•79 
.90 


1. 05 
1.20 
i-37 

1-54 
1.72 

i-93 

2.15 
2.40 
2.67 
2.96 


5-48 


lOYr.Term 


Am.3% 


Of  Life  Insurance. 


*43 


Table  No. 

XXXV 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

81000  ON  TEN-YEAR  TERM  POLICIES, 

AMERICAN 

EXPERIENCE, 

THREE   PER    CENT. 

Age. 

I 

I'l 

Terminal  Net 

Values 

AT    THE 

End  of 

S 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

9th 

20 

PL. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

7.80 

•23 

.42 

•57 

.67 

.72 

•71 

.65 

•51 

•30 

21 

7.86 

.24 

•44 

.60 

•71 

•77 

•77 

.70 

•55 

•32 

22 

7.92 

.26 

•47 

.64 

.76 

.82 

.82 

•74 

•59 

•34 

23 

7-99 

.27 

•5° 

.69 

.81 

,      .88 

.87 

•79 

.62 

•36 

24 

8.06 

.29 

•55 

•74 

.88 

•95 

•94 

.85 

.68 

.40 

25 

8.14 

•32 

•59 

.80 

•95 

1.03 

1.02 

•93 

•74 

•43 

26 

8.22 

•34 

.63 

.86 

1 .02 

1. 10 

1. 11 

1. 01 

.80 

•47 

27 

8.31 

•37 

.68 

•93 

1. 10 

1 .20 

1 .20 

1 .09 

.86 

•51 

28 

8.41 

.40 

•74 

1. 01 

1 .20 

1.30 

1.30 

1. 18 

•94 

•55 

29 

8.52 

•43 

.80 

1. 10 

*-3* 

1.42 

1 .42 

1.30 

1.03 

.61 

30 

8.64 

•47 

.88 

1.20 

i-43 

i-55 

1.56 

1-43 

1. 14 

.67 

31 

8. 77 

•52 

•97 

1.32 

1-57 

1. 71 

1.72 

1.58 

1.26 

•74 

32 

8.91 

•57 

1.05 

1.44 

1.72 

1.88 

1.89 

i-73 

1.38 

.81 

33 

9.06 

.62 

'•IS 

i-59 

1.90 

2.07 

2.08 

1.90 

i-5i 

.89 

34 

9-23 

.68 

1.27 

1-75 

2.09 

2.27 

2.28 

2.09 

1.66 

.98 

35 

9.42 

.76 

1. 41 

1.94 

2.31 

2-51 

2.52 

2.31 

1.85 

1. 10 

36 

9-63 

•83 

i-55 

2.13 

2.54 

2.77 

2. 79 

2.56 

2.05 

1. 21 

37 

9.86 

•93 

1.72 

2.36 

2.81 

3-07 

3.10 

2.86 

2.29 

1.36 

38 

10.12 

1.02 

1.90 

2.61 

3-i3 

3-43 

3-47 

3.20 

2.58 

i-53 

39 

10.41 

1. 14 

2.12 

2.92 

3-51 

3-86 

3.90 

3.61 

2.91 

1.74 

40 

10.73 

1 .27 

2.38 

3-29 

3-97 

4.36 

4.43 

4. 11 

3-32 

1.99 

4i 

n  .10 

1.44 

2.70 

3-73 

4-5° 

4.96 

5.04 

4.69 

3.80 

2.27 

42 

11.52 

1.63 

3.06 

4.24 

5-13 

5.65 

5.76 

5.36 

4-34 

2-59 

43 

12.00 

1.86 

3-48 

4.84 

5.85 

6.46 

6.58 

6. 11 

4-94 

2-95 

44 

12.54 

2. 11 

3-96 

5-5° 

6.65 

7-35 

7-47 

6.92 

5.58 

3-32 

45 

*3-M 

2.40 

4.50 

6.25 

7-56 

8.32 

8.45 

7.81 

6.29 

3-74 

46 

13.83 

2.71 

5-io 

7.07 

8-53 

9.38 

9.50 

8.78 

7.06 

4.20 

47 

14.60 

3-07 

5.76 

7-97 

9.60 

IO-53 

10.66 

9.84 

7.92 

4.71 

48 

15.46 

3-46 

6.47 

8-93 

10.73 

11.77 

11. 91 

10.99 

8.84 

5-25 

49 

16.43 

3-86 

7.21 

9-95 

11.96 

13.12 

J3-27 

12.24 

9.84 

5.84 

5o 

17-50 

4.30 

8.03 

11.07 

13.31 

I4-59 

14.76 

13.61 

10.94 

6.50 

5i 

18.69 

4.78 

8.92 

12.30 

14.78 

16.20 

16.38 

15-11 

12.15 

7.22 

52 

20.01 

5-3° 

9.90 

13.64 

16.39 

x7-97 

18.17 

16.77 

!3-49 

8.03 

53 

21.47 

5.88 

10.96 

15-11 

18.15 

19.90 

20.14 

18.59 

14.97 

8.91 

54 

23.08 

6.49 

12.12 

16.70 

20.07 

22.02 

22.29 

20.59 

16.58 

9.87 

55 

24.86 

7.17 

13-38 

18.45 

22.18 

24.34 

24.65 

22.77 

18.35 

10.94 

56 

26.83 

7.91 

14.76 

20.36 

24.50 

26.89 

27.24 

25.18 

20.32 

12.14 

57 

28.99 

8.71 

16.27 

22.46 

27.02 

29.67 

30.07 

27.84 

22.49 

13.44 

58 

3i-37 

9.60 

17.92 

24.74 

29.78 

32.72 

33-2° 

3o.77 

24.88 

14.88 

59 

33-99 

IO-55 

19.72 

27.23 

32.79 

36.07 

36.64 

33-99 

27.52 

16.49 

60 

36.87 

n-59 

21.66 

29-93 

36.08 

39-73 

40.38 

37-50 

30.40 

18.24 

Am.3* 


15Yr.Term 


144 

Principles  and 

Practice 

Table  No.  XXXVI. 

NET 

ANNUAL    PREMIUMS 

AND 

TERMINAL   NET    VALUES 

PER  Si 000  ON 

\  FIFTEEN- YEAR  TERM  POLICIES, 

AMERICAN  EXPERIENCE 

THREE  PER  CENT. 

Terminal  Net  Values 

AT  the  End  of 

Age. 

Net 
Pre- 

miums. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-95 

0-39 

0.75 

1.06 

1-34 

1-57 

I.76 

I.89 

21 

8.02 

.41 

•79 

1.13 

1-43 

1.68 

1.88 

2.03 

22 

8.IO 

•44 

.84 

1. 21 

1.54 

1. 81 

2.03 

2.I9 

23 

8.18 

•47 

.91 

i-3i 

1.66 

1.95 

2.19 

2.36 

24 

8.27 

.51 

•99 

1. 41 

1.79 

2.12 

2-37 

a-55 

25 

8.37 

.56 

1.07 

i-53 

1.94 

2.29 

2-57 

2.78 

26 

8.47 

.60 

1. 16 

1.66 

2. 11 

2.50 

2.81 

3 -04 

27 

8.58 

.05 

1.26 

1. 81 

2.30 

2.72 

3-07 

3-3i 

28 

8.71 

.71 

i-37 

1.97 

2.51 

2.98 

3-35 

3.62 

29 

8.85 

•77 

1.49 

2-15 

2-75 

3-25 

3.66 

3-97 

30 

9.00 

•85 

1.64 

2-37 

3.01 

3-57 

4-03 

4.36 

31 

9.16 

•93 

1.80 

2 .60 

3-31 

3-93 

4-44 

4.81 

32 

9-34 

1.02 

1.98 

2.86 

3.65 

4-33 

4.90 

5-3i 

33 

9-55 

1. 12 

2.18 

3.16 

4.03 

4.80 

5.42 

5.88 

34 

9-77 

1.25 

2.42 

3-50 

4.48 

5-32 

6.02 

6-53 

35 

10.03 

i-39 

2.70 

3-9i 

4-99 

5-94 

6.71 

7.3i 

36 

10.31 

i-55 

3.01 

4-35 

5-57 

6.63 

7.52 

8.20 

37 

10.63 

i-73 

3-36 

4.88 

6.24 

l'4Sa 

8.46 

9.25 

38 

11 .00 

1-93 

3-77 

5.46 

7.02 

8.38 

9-54 

10.44 

39 

11.40 

2.18 

4-23 

6.16 

7.91 

9.48 

10.79 

11.83 

40 

11.86 

2.44 

4-77 

6-95 

8-95 

IO.7I 

12.22 

13.40 

4i 

!2-37 

2.76 

5-39 

7.86 

10. 11 

12.13 

13  83 

15.17 

42 

12.95 

3-" 

6.09 

8.87 

n-43 

r3-7i 

15.64 

17.15 

43 

13-59 

3-52 

6.87 

10.02 

12  .90 

15-47 

17-65 

19.32 

44 

14.31 

3-95 

7-74 

11.28 

!4-53 

17.41 

19.83 

21.68 

45 

15.12 

4.46 

8.70 

12.68 

l6-33 

19-54 

22.22 

24.27 

46 

16.02 

4.99 

9.76 

14.21 

18.27 

21.83 

24.80 

27.07 

47 

17.02 

5-59 

10.92 

15-87 

20.38 

24.33 

27.62 

30.14 

48 

18.13 

6.24 

12.15 

17-65 

22.64 

27.02 

30.67 

33-45 

49 

19.36 

6-93 

13.48 

19-57 

25.09 

29.94 

33.98 

37-oS 

50 

20.72 

7.67 

14.91 

21.65 

27.76 

33-*i 

37-57 

40.97 

5i 

22  .22 

8.47 

16.47 

23.91 

30.65 

36.56 

41.49 

45-25 

52 

23.87 

9-34 

18.17 

26.36 

33-79 

40.31 

45-74 

49.91 

53 

25.68 

10.29 

20.00 

29.02 

37.20 

44-38 

50.39 

54-99 

54 

27.67 

11. 31 

21.99 

31.90 

40.90 

48.82 

55-44 

60.53 

55 

29.85 

12.41 

24.13 

35-oi 

44.9i 

53.6i 

60.90 

66.52 

56 

32.24 

J3-59 

26.43 

38-38 

49.23 

58.79 

66.81 

73.01 

57 

34.84 

14.87 

28.92 

41.99 

53-88 

64.36 

73-i8 

80.03 

58 

37.67 

16.23 

3J-57 

45.85 

58.84 

70.30 

79.98 

87.53 

59 

40.73 

17.66 

34-37 

49-91 

64.06 

76.59 

87.18 

95-44 

60 

44.03 

19.17 

37-29 

54.16 

69.55 

83.19 

94.7o 

103.72 

15Yr.Term 


Am.3* 


Of  Life  Insurance. 


i45 


Table  No.  XXX VI.— Concluded. 

NET    ANNUAL 

PREMIUMS    AND    TERMINAL 

NET    VALUES 

PER  $1000  ON  FIFTEEN-YEAR  TERM  POLICIES, 

AMERICAN  EXPERIENCE,  THREE  PER 

CENT. 

Age. 

Terminal  Net 

Values  at  the  End 

OF 

8th 

Year. 

9th 

Year. 

10th 

Year. 

11th 

Year. 

12th 

Year. 

13th 

Year. 

14th 

Year. 

20 
21 
22 
23 
24 

I.96 
2.IO 
2.27 

2.45 
2.66 

I.97 
2.IO 
2.27 
2.46 
2.67 

I.89 
2.02 
2.19 
2-37 

2-57 

1-73 
I.85 
2.0I 
2.17 
2.36 

1.47 
1.58 
1. 71 
I.85 
2.02 

I. II 
1. 19 
I.29 
I.40 
I.52 

O.63 
.66 

•73 

.78 

.86 

25 
26 

27 
28 

29 

2.90 
3.16 
3-45 
3.78 
4- 15 

2.91 
3.18 
3-49 
3.8i 
4.18 

2.8o 
3.08 

3-37 
3.70 
4.05 

2.58 
2.84 

3-n 

3 -4o 
3-73 

2.20 

2.44 
2.67 
2.92 
3.19 

I.67 
I.84 
2.02 
2.20 
2.41 

•93 
1.05 
1. 14 
1.24 
1.36 

30 
31 
32 

33 
34 

4.57 
5- °3 
5.56 
6.16 
6.86 

4.61 
5.08 
5.6i 
6.23 

6-95 

4.46 
4.92 

5-45 
6.06 
6.77 

4. 11 
4-54 
5.o4 
5.6i 
6.28 

3-52 
3-9o 
4.34 
4.84 
5-43 

2.67 
2.97 
3.30 
3.69 
4.15 

1. 5i 
1.68 
1.88 
2.10 
2.36 

35 
36 
37 
38 
39 

7.68 

8.64 

9.76 

11.04 

12.51 

7.80 
8.78 

9-95 
11.26 
12.78 

7.62 
8.60 

9-75 
11 .06 

12.55 

7.09 
8.01 
9. 11 

10-33 
11 .72 

6.14 
6.96 

7.92 

8.98 

10.17 

4.70 

5-35 
6.09 
6.89 
7.80 

2.69 
3.06 
3-49 
3-94 
4.45 

40 
4i 
42 
43 
44 

14.18 
16.06 
18.13 
20.40 
22.87 

14.49 
16.39 
18.48 
20.77 
23.26 

14.22 
16.06 
18.09 
20.32 
22.74 

13.26 
14.96 
16.83 
18.90 
21.13 

11.50 
12.96 
14.58 

16.35 
18.28 

8.81 

9.92 

11. 14 

12.50 

13.96 

5-03 
5-66 
6.36 
7-13 
7-95 

45 
46 
47 
48 
49 

25.57 
28.51 

3i-73 
35-21 
39.00 

26.00 
28.97 
32.23 
35-76 
39.62 

25.40 
28.29 
31.47 
34.91 
38.70 

23.60 
26.28 
29.23 
32.44 
35-97 

20.40 
22.71 
25.28 
28.06 
3i-i3 

15.58 

17-35 
19.32 
21.45 
23.81 

8.89 

9.89 
11.03 
12.24 
13.60 

50 
51 
52 

53 
54 

43-13 
47.65 
52.57 
57-95 
63.81 

43.83 

48.44 

53-47 
58.97 
64.97 

42.83 

47-35 
52.29 

57-7o 
63.65 

39.83 
44.05 
48.67 
53.77 
59.38 

34.48 

38.15 
42.21 
46.68 
51.61 

26.39 
29.23 
32.28 
35.85 
39-69 

15.09 
16.74 

18.55 
20.57 
22.82 

55 
56 
57 
58 
59 

70.17 
77.08 
84.56 

92.53 
100.96 

71.51 
78.63 
86.31 

94-53 
103.20 

70.12 
77.16 
84.79 
92.94 
101.53 

65.48 
72.13 

79.35 
87.05 
95.16 

56.97 
62.85 
69.21 
76.01 
83.12 

43-88 
48.46 
53-44 
58.73 
64.25 

25.26 
27.94 
30.85 
33.92 
37-13 

60 

109.76 

112.24 

110.47 

103.56 

90.47 

69.96 

40.48 

Am.3* 


20  Yr.  Term 


I46 


Principles  and  Practice 


Table  No. 

XXXVII. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

tiooo  ON  TWENTY-YEAR  TERM  POLICIES, 

AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Terminal  Net  Values  at  the 

End  of 

Age.  • 

Net 
Pre- 

miums. 

1st 

2d 

3d 

4th 

5th 

6th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

8.14 

•59 

1. 14 

I.67 

2.16 

2  .62 

3-°5 

21 

8.23 

.62 

I  .22 

1.79 

2.32 

2.83 

3.28 

22 

8.32 

.67 

!-3i 

i-93 

2.52 

3.06 

3-55 

23 

8.42 

•72 

1.42 

2  .09 

2-73 

3-32 

3.86 

24 

8-54 

•79 

i-55 

2.27 

2  .96 

3-6i 

4.20 

25 

8.66 

.86 

1.69 

2.48 

3-23 

3-93 

4.58 

26 

8.79 

•93 

1.83 

2  .70 

3-52 

4.29 

5.00 

27 

8.94 

1 .02 

2.01 

2-95 

3.85 

4.70 

5-49 

28 

9.10 

1 .12 

2  .20 

3-24 

4.23 

5-i7 

6.03 

29 

9.28 

1 .22 

2.41 

356 

4.66 

5-69 

6.65 

30 

9.48 

i-35 

2.67 

3-94 

5-i5 

6.30 

7-37 

31 

9.71 

1.50 

2  .96 

4-37 

5-7i 

7.00 

8.19 

32 

9.96 

1.66 

3.28 

4.85 

6.36 

7-79 

9-13 

33 

10.24 

1.84 

3-65 

5-40 

7.09 

8.69 

10.19 

34 

I0.55 

2.06 

4.08 

6.04 

7-93 

9.72 

11 .41 

35 

10.91 

2.31 

4-5° 

6.76 

8.88 

10.90 

12.79 

36 

11.30 

2.58 

5-" 

•      7-56 

9.94 

12.21 

14.35 

37 

11.74 

2.89 

5-72 

8.48 

11. 14 

i3-7o 

16.12 

38 

12  .24 

3-23 

6.40 

9.49 

12.50 

15.38 

18.12 

39 

12.78 

3.62 

7.17 

10.65 

14.03 

17.28 

20.36 

40 

13.40 

4.04 

8.04 

11.94 

15-75 

19.40 

22.87 

4i 

14.08 

4-54 

9.01 

13.40 

17.67 

21.77 

2^  .66 

42 

14.83 

5.08 

10.10 

15.01 

19.80 

24-39 

28.74 

43 

15-67 

5-°9 

11 .29 

16.80 

22.14 

27.28 

32.13 

44 

16.60 

6-34 

12.61 

18.74 

24.70 

30.42 

35-79 

45 

17.63 

7.08 

14.05 

20.89 

27-5i 

33-83 

39-78 

46 

18.77 

7.86 

15.62 

23.20 

30-52 

37-51 

44.07 

47 

20.02 

8-73 

17.32 

25.69 

33-77 

41.47 

48.70 

48 

21 .40 

9.66 

I9-I3 

28.36 

37.26 

45-73 

53-69 

49 

22  .92 

10.64 

21 .07 

31.21 

40.99 

5o-32 

59.06 

5o 

24.57 

11 .69 

23-14 

34.28 

45.02 

55-24 

64.84 

5i 

26.38 

12.81 

25-37 

37-58 

49-33 

60.53 

71.04 

52 

28.34 

14.02 

27-75 

41.09 

53-94 

66.18 

77.68 

53 

30-47 

i5-3o 

30.27 

44.83 

58.84 

72.19 

84.75 

54 

32-77 

16.64 

32-94 

48.76 

64.00 

78.54 

92  .21 

55 

35-24 

18.06 

35-73 

52.89 

69.43 

85.20 

100.03 

56 

37-89 

19-53 

38.64 

57-2i 

75-09 

92.14 

108.18 

57 

40.74 

2*1  .07 

41.68 

61 .70 

80.97 

99-35 

116.65 

58 

43-78 

22  .67 

44-83 

66.34 

87.06 

106.81 

125.42 

59 

47 -°3 

24.32 

48.08 

7i-i3 

93-34 

114.52 

134.48 

60 

50-5° 

26.02 

51-42 

76.07 

99.82 

122.47 

143.81 

20Yr.Term 


Am.3* 


Of  Life  Insurance. 


i47 


Table  No.  XXXVII.  —  Continued. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  TWENTY- YEAR  TERM  POLICIES, 

AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Age. 

Terminal  Net  Values  at  the  End 

OF 

7th 

8th 

9th 

10th 

11th 

12th 

13th 

Year 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-42 

3-74 

4.01 

4.20 

4.32 

4-37 

4-31 

21 

3-69 

4-05 

4-33 

4-55 

4.69 

4-74 

4.68 

22 

4.00 

4.38 

4.70 

4-94 

5.10 

5-15 

5-09 

23 

4-34 

4.76 

5.12 

5-39 

5-55 

5.62 

5.56 

24 

4-73 

S*9 

5.58 

5-87 

6.06 

6.14 

6.09 

25 

5  .i« 

5.68 

6.IO 

6-43 

6.65 

6-74 

6.68 

26 

5-64 

6.20 

6.67 

7.04 

7.28 

7-39 

7-33 

27 

6.20 

6.82 

7-35 

7.76 

8.04 

8.15 

8.10 

28 

6.82 

I51 

8.10 

8.56 

8.86 

9.00 

8.94 

29 

7-53 

8.30 

8-95 

9.46 

9.81 

9-97 

9.92 

30 

8-34 

9.21 

9.94 

10.52 

10.91 

11 .10 

n  .06 

31 

9.29 

10.25 

11 .07 

11 .72 

12 .  19 

12.43 

12 .41 

32 

IO-35 

11.44 

12.37 

13.12 

13.66 

13-95 

13-95 

33 

11.56 

12.79 

13-85 

14.71 

J5-34 

15.69 

15-72 

34 

12.95 

14.35 

I5-56 

!6-55 

17.28 

17.70 

17-74 

35 

14-54 

16.13 

i7-5i 

18.64 

19.49 

19.98 

20.05 

36 

16.34 

18.14 

19.71 

21 .01 

21.98 

22.55 

22.64 

37 

18.37 

20.41 

22.21 

23.68 

24.78 

25-43 

25.52 

38 

20.66 

22 .98 

25.00 

26.67 

27.91 

28.62 

28.70 

39 

23-23 

25-83 

28.11 

29.99 

31-36 

32.13 

32.19 

40 

26.10 

29.03 

31.58 

33-66 

35-17 

36.01 

36.05 

4i 

29.28 

32-55 

35-39 

37.68 

39-34 

40.25 

40.28 

42 

32.79 

36.42 

39-55 

42.09 

43-92 

44.91 

44.92 

43 

36.61 

40.63 

44.09 

46.89 

48.91 

49-99 

49-99 

44 

40-75 

45  IQ 

49.01 

52.10 

54.3i 

55-5° 

55-49 

45 

45-25 

50.15 

54.38 

57.78 

60.22 

61.53 

61 .51 

46 

50 .  10 

.    55-51 

60.16 

63.92 

66.61 

68.06 

68.06 

47 

55-30 

61.31 

66.44 

7o.57 

73-55 

75-17 

75-iS 

48 

61 .02 

67.57 

73.22 

77.78 

81.08 

82.89 

82.94 

49 

67  .11 

74.32 

80.53 

85.58 

89.23 

91.26 

9i-35 

50 

73-67 

8i.59 

88.44 

94.01 

98.06 

100.32 

100.49 

5i 

80.73 

89-43 

96.96 

103.10 

107.58 

no. 13 

no. 41 

52 

88.29 

97-83 

106.09 

112  .84 

117. 81 

120.69 

121 .09 

53 

96.34 

106.77 

115.82 

123.24 

128.75 

131.98 

132.52 

54 

104.83 

116.20 

126.09 

134.24 

140.32 

143-93 

144.61 

55 

113-74 

126.10 

136.88 

145-79 

I52-45 

156.46 

157-3° 

56 

123.01 

136.42 

148.13 

157.81 

165.09 

169.67 

170.48 

57 

132 .66 

147.16 

159.81 

170.30 

178.21 

183.03 

184.18 

58 

142.65 

158.25 

171.89 

183.22 

191.77 

197.04 

198.34 

59 

152.96 

169.70 

184.37 

196.56 

205 .81 

211-55 

213.08 

60 

163.58 

181. 51 

197.23 

210.34 

220.33 

226.63 

228.57 

Am.3% 


20  Yr.  Term 


148 

Principles  and  Practice 

Table  No.  XXXVII.— Concluded. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

Siooo  ON  TWENTY-YEAR  TERM  POLICIES,  AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Age. 

Terminal  Net  Values  at  the  End  of 

14th 

15th 

16th 

17th 

18th 

19th 

20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

4.15 

3.86 

3-44 

2.87 

2.13 

1. 18 

21 

4-5° 

4.20 

3-75 

3-i3 

2.32 

I  .29 

22 

4.91 

4-59 

4.10 

3.42 

2-53 

I  .40 

23 

5-37 

5.02 

4.48 

3-74 

2.76 

i-53 

24 

5.88 

5-49 

4.91 

4.09 

3-03 

1.67 

25 

6-45 

6.04 

5-39 

4.51 

3-34 

1.86 

26 

7,08 

6.62 

5-92 

4-95 

3.68 

2.03 

27 

7.83 

7-33 

6.57 

5-52 

4. 11 

2.30 

28 

8.66 

8.12 

7-3° 

6.13 

4-57 

2-55 

29 

9.62 

9.04 

8.13 

6.85 

5." 

2.86 

30 

10.76 

10.13 

9.13 

7.70 

5-77 

3-24 

31 

12.08 

11 .40 

10.30 

8.71 

6.54 

3.68 

32 

13.62 

12.87 

n.65 

9.87 

7.41 

4.17 

33 

15-35 

14-53 

1317 

11. 15 

8-37 

4.69 

34 

17-35 

16.44 

14.90 

12.61 

9-45 

5-3o 

35 

19.63 

18.59 

16.83 

14-23 

10.67 

5-99 

36 

22 .14 

20.96 

18.96 

16.03 

12  .01 

6-74 

37 

24.94 

23.58 

21-33 

18.02 

!3-5o 

7-57 

38 

28.03 

26.49 

23.95 

20.23 

15-15 

8.49- 

39 

31.42 

29.68 

26.81 

22.63 

16.93 

9-47 

40 

35-17 

33-21 

29.99 

25-30 

18.93 

10.60 

4i 

39.28 

37-07 

33-46 

28.23 

21.13 

11.83 

42 

43-79 

41.32 

37-3° 

31.48 

23-57 

13.21 

43 

48.72 

45-97 

41.51 

35.04 

26.24 

14.72 

44 

54.07 

5i-03 

46.08 

38.91 

29.14 

16.34 

45 

59-96 

56.60 

5I-I3 

43  •  19 

32.37 

18.18 

46 

66.35 

62.65 

56.62 

47.86 

35-90 

20.18 

47 

73-33 

69.27 

62.64 

53- 00 

39.81 

22  .40 

48 

80.93 

76.50 

69.25 

58.66 

44.10 

24.85 

49 

89.20 

84.40 

76.48 

64.85 

48.82 

27.56 

50 

98.20 

93.01 

84.37 

71-63 

54.01 

3o.53 

5i 

1 08 . 00 

102.38 

92.98 

79.06 

59-70 

33-8i 

52 

iiS-55 

112.50 

102 .29 

87.08 

65.86 

37-35 

53 

129.84 

123.35 

112.27 

95-69 

72.44 

41 .12 

54 

141 .81 

134.82 

122.83 

104.76 

79-36 

45-°9 

55 

154-34 

146.84 

I33-85 

114.22 

86.60 

49.27 

56 

167.3b 

159-29 

i45-27 

124.07 

94.20 

53-7° 

57 

180.88 

172  .25 

157-24 

134.52 

102.40 

58.59 

58 

194.90 

185.81 

169.91 

145-76 

in. 36 

64.03 

59 

209 . 64 

200.25 

183.65 

158.15 

121.45 

70.27 

60 

225.33 

215.87 

198.75 

172 .02 

132.89 

77-43 

COST  OF  INSURANCE. 

American    Experience    Table    of 
Mortality. 

INTEREST,  THREE  PER  CENT. 


S.P. 


Am.3 


Of  Life 

Insurance. 

149 

Table  No.  XXXIX. 

COST 

OF  INSURANCE  PER   $1000  OF  AN  ORDINARY  LIFE  ' 

SINGLE  PREMIUM  POLICY,  AMERICAN  EX- 

PERIENCE, THREE  PER  CENT. 

Age. 

Cost  of 

Age. 

Cost  of 

Age. 

Cost  of 

Insurance. 

Insurance. 

Insurance. 

20 

5-i9 

45 

5-42 

70 

13.22 

21 

5.18 

46 

5-5° 

71 

13.76 

22 

5-i7 

47 

5-59 

72 

14.28 

23 

S-i7 

48 

5-7° 

73 

14.78 

24 

5.16 

49 

5.83 

74 

15.24 

25 

5-i5 

50 

5-98 

75 

15.66 

26 

5.i4 

5i 

6.16 

76 

16.07 

27 

5-i4 

52 

6-35 

77 

16.46 

28 

5-i3 

53 

6-55 

78 

16.86 

29 

5-x3 

54 

6.79 

79 

I7-25 

30 

5.12 

55 

7.04 

80 

17.71 

31 

5.12 

56 

7-3i 

81 

18.14 

32 

5-i2 

57 

7.60 

82 

18.54 

33 

5.12 

58 

7.91 

83 

18.85 

34 

5-i2 

59 

8.24 

84 

I9-I3 

35 

5.12 

60 

8-59 

85 

19,48 

36 

5-i4 

61 

8-97 

86 

19.96 

37 

5-14 

62 

9-36 

87 

20.60 

38 

5.16 

63 

9-77 

88 

21  .24 

39 

5-x8 

64 

10.21 

89 

21.68 

40 

5.21 

65 

10.66 

90 

22  .OI 

4i 

5-24 

66 

n  .14 

91 

22  .63 

42 

5.27 

67 

11.63 

92 

23.9O 

43 

5-3i 

68 

12.15 

93 

24.35 

44 

5-37 

69 

12 .67 

94 

24.97 

Am.3* 


O.L 


I50 


Principles  and  Practice 


Table  No.  XL. 

• 

COST 

OF    INSURANCE    PER    $1000 

OF   AN    ORDINARY 

LIFE 

POLICY  DURING   VARIOUS 

YEARS,   AMERICAN 

EXPERIENCE, 

THREE  PER 

CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-75 

7-74 

7-73 

7.72 

7-7i 

7.69 

7.69 

7.68 

21 

7.80 

7-79 

7.78 

7.76 

7-75 

7-74 

7-73 

7.72 

22 

7.85 

7-83 

7.82 

7-8i 

7.80 

7-79 

7.78 

7.78 

23 

7.90 

7.88 

7.87 

7.86 

7-85 

7.84 

7-84 

7.83 

24 

7-95 

7-93 

7.92 

7.91 

7.90 

7.90 

7.89 

7.88 

25 

8.00 

7-99 

7.98 

7-97 

7.96 

7.96 

7-95 

7.95 

26 

8.06 

8.05 

8.04 

8.03 

8.03 

8.02 

8.02 

8.02 

27 

8.12 

8. 11 

8. 11 

8.10 

8.09 

8.09 

8.10 

8.10 

28 

8.18 

8.18 

8.18 

8.17 

8.16 

8.17 

8.18 

8.18 

29 

8.26 

8.25 

8.25 

8.24 

8.25 

8.26 

8.26 

8.27 

30 

8.34 

8-33 

8-33 

8.34 

8.34 

8-34 

8.36 

8.37 

31 

8.42 

8.42 

8.42 

8.43 

8.43 

8.45 

8.46 

8.50 

32 

8.51 

8.52 

8.52 

8.52 

8.54 

8.56 

8.59 

8.62 

33 

8.62 

8.62 

8.62 

8.64 

8.65 

8.69 

8.72 

8-77 

34 

8.72 

8.72 

8.74 

8.76 

8.79 

8.82 

8.87 

8.92 

35 

8.83 

8.85 

8.87 

8.90 

8-93 

8.98 

9-03 

9.09 

36 

8.97 

8.98 

9.02 

9-°5 

9.10 

9.14 

9.21 

9.27 

37 

9. 11 

9.14 

9.17 

9.22 

9.27 

9-33 

9.40 

9-5© 

38 

9.27 

9-30 

9-35 

9.40 

9.46 

9-53 

9-63 

9-73 

39 

9.44 

9.49 

9-54 

9.60 

9.67 

9-77 

9.88 

10.02 

40 

9.64 

9.69 

9-75 

9.82 

9.92 

10.03 

10.18 

10.34 

4i 

9.84 

9.91 

9.98 

10.08 

10.19 

10.34 

10.50 

10.71 

42 

10.08 

10.15 

10.25 

10.36 

10.51 

10.68 

10.89 

11 .14 

43 

10.33 

10.43 

10.55 

10.70 

10.87 

11.08 

11-34 

11 .64 

44 

10.63 

10.74 

10.90 

11.07 

11.28 

11-55 

11.85 

12.19 

45 

10.94 

11 .10 

11.28 

11.50 

11.77 

12.08 

12.42 

12.81 

46 

n-33 

11.50 

n-73 

12.00 

12.32 

12.67 

13.06 

13.49 

47 

11.74 

11.97 

12.25 

12.57 

12.94 

13-34 

13-78 

14.26 

48 

12.23 

12.52 

12.85 

13.22 

*3  63 

14.08 

14-57 

15. 11 

49 

12.80 

X3'x4 

I3-52 

13-94 

14-39 

14.90 

15-45 

16.05 

50 

13-45 

13.84 

14.27 

14.74 

15.26 

15.82 

16.43 

17.08 

51 

14.18 

14.62 

15.10 

15-63 

16.21 

16.83 

i7-5o 

18.21 

52 

14.99 

15.48 

16.03 

16.62 

17.26 

17-95 

18.68 

19.46 

53 

15.89 

16.46 

17.06 

17.72 

18.43 

19.17 

19.98 

20.84 

54 

16.91 

17-53 

18.21 

18.94 

19.70 

20.53 

21 .41 

22.35 

55 

18.04 

18.73 

19.48 

20.27 

21 .12 

22.03 

22.99 

24.00 

56 

19.29 

20.06 

20.87 

21-75 

22.68 

23.67 

24.71 

25.80 

57 

20.67 

21.51 

22.42 

23-38 

24.40 

25.48 

26.59 

27.77 

58 

22.20 

23.14 

24.13 

25.18 

26.29 

27.44 

28.66 

29.94 

59 

23.90 

24-93 

26.01 

27.16 

28.35 

29.61 

30.94 

32-31 

60 

25-78 

26.91 

28.09 

29.32 

30.62 

32.00 

33-42 

34-90  , 

61 

27.86 

29.09 

30.36 

3J-7i 

33-*3 

34.61 

36.14 

37-74 

62 

3°-I5 

31.48 

32.87 

34-34 

35.87 

37-46 

39.12 

40.82  ' 

63 

32.67 

34- n 

35-64 

37-23 

38.88 

40.60 

42.36 

44.17 

64 

35-44 

37-04 

38.69 

40.40 

42.19 

44.62 

45-90 

47-79 

65 

38.53 

40.25 

42.03 

43-89 

45-79 

47-75 

49.71 

51.61 

66 

41.92 

43-77 

45-71 

47.69 

49-73 

5I-78 

53-75 

55-6i 

67 

45 -64 

47.67 

49-73 

51.86 

53-99 

56.05 

57-99 

59-79 

68 

49.76 

5r-9i 

54-14 

56.36 

58.51 

60.53 

62.41 

64.17 

69 

54.25 

56.58 

58.90 

61.15 

63.26 

65-23 

67.06 

68.78 

70 

59-19 

61 .62 

63-97 

66.19 

68.24 

70.16 

71.96 

1 

73-72 

O.L. 


Am.3% 


Of  Life  Insurance. 


*5i 


Table  No.  XL.— 

Continued. 

! 

COST 

OF   INSURANCE   PER    txooo 

OF   AN   ORDINARY 

LIFE 

POLICY  DURING   VARIOUS 

YEARS,   AMERICAN 

EXPERIENCE, 

THREE  PER 

CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year, 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.67 

7.66 

7.66 

7-65 

7-65 

7-65 

7.66 

7.66 

21 

7.72 

7.71 

7.70 

7.70 

7.71 

7.71 

7.71 

7-73 

22 

7-77 

7.76 

7.76 

7-77 

7-77 

7-77 

7-79 

7.80 

23 

7.82 

7.82 

7.83 

7.83 

7.83 

7.85 

7.86 

7.89 

24 

7.88 

7.89 

7.89 

7.89 

7.91 

7.92 

7.96 

7.98 

25 

7-95 

7.96 

7.96 

7.98 

7-99 

8.02 

8.05 

8.09 

26 

8.03 

8.03 

8.05 

8.06 

8.09 

8.12 

8.16 

8.20 

27 

8.10 

8.12 

8.13 

8.16 

8.19 

8.24 

8.28 

8.33 

28 

8.19 

8.21 

8.24 

8.27 

8.31 

8.36 

8.41 

8.47 

29 

8.29 

8.32 

8-35 

8.40 

8-44 

8.49 

8.56 

8.64 

30 

8.41 

8.44 

8.48 

8.52 

8.58 

8.64 

8-73 

8.83 

3i 

8.52 

8-57 

8.61 

8.67 

8-74 

8.83 

8.92 

9-05 

32 

8.67 

8.71 

8-77 

8.83 

8.92 

9.02 

9-i5 

9.29 

33 

8.81 

8.87 

8-93 

9-03 

9.12 

9-25 

9.40 

9.58 

34 

8.97 

9.04 

9-J3 

9-23 

9-37 

9-5i 

9.70 

9.92 

35 

9-i5 

9-25 

9-35 

9.48 

9-63 

9.82 

10.05 

10.31 

36 

9-37 

9-47 

9.61 

9.76 

9-95 

10.18 

10.45 

10.75 

37 

9.60 

9-74 

9.89 

10.08 

10.32 

10.59 

10.90 

11.23 

38 

9.88 

10.03 

10.22 

10.47 

10.74 

11.05 

n-39 

11.77 

39 

10.18 

10.38 

10.62 

10.90 

11. 21 

11.56 

11.94 

12.36 

40 

10.54 

10.78 

11.07 

"•39 

11.74 

12.12 

12.55 

13.01 

4i 

10.96 

11.25 

u-57 

n-93 

12.32 

12.76 

13.22 

13.74 

42 

n-43 

11.76 

12.13 

12-53 

12.97 

13-45 

13-97 

14.52 

43 

11.97 

12.34 

12.75 

13.20 

13.68 

14.21 

14.78 

15.38 

44 

12.57 

12.98 

13-44 

13-93 

14.47 

I5-05 

15.66 

16.32 

45 

13-23 

13.70 

14.20 

14-75 

15-34 

15.96 

16.63 

17.34 

46 

13-97 

14.48 

15-05 

15-64 

16.28 

16.96 

17.69 

18.46 

47 

14.79 

I5-36 

15-97 

16.62 

I7-32 

18.06 

18.85 

19.68 

48 

15.69 

16.32 

16.98 

17.69 

18.45 

19.26 

20.11 

20.99 

49 

16.69 

17-37 

18.10 

18.87 

19.70 

20.56 

21.47 

22.41 

50 

17.78 

18.52 

19.32 

20.16 

21.05 

21.97 

22 .94 

23.97 

5i 

18.98 

19.79 

20.66 

21-57 

22.51 

23. 51 

24.56 

25.66 

52 

20.30 

21.18 

22.12 

23.09 

24.11 

25.19 

26.31 

27.48 

53 

21-75 

22.70 

23.70 

24-75 

25.86 

27.01 

28.21 

29.46 

54 

23-33 

24.36 

25-43 

26.58 

27.76 

28.99 

30.27 

3I-§! 

55 

25-05 

26.16 

27-34 

28.55 

29.82 

3I-I4 

32.49 

33-88 

56 

26.94 

28.15 

29.40 

30.70 

32.07 

33-45 

34.89 

36.32 

57 

29.02 

3o-3i 

31-65 

33-05 

34-49 

35-96 

37-44 

38.87 

58 

31.28 

32.66 

34-11 

35-59 

37'™ 

38.64 

40.11 

4i-5° 

59 

33-74 

35-24 

36.77 

38.34 

39-91 

41.44 

42.87 

44.20 

60 

36.45 

38-03 

39.65 

41.28 

42.86 

44-34 

45-72 

47.00 

61 

39-37 

41 .06 

42.75 

44-38 

45-91 

47-34 

48.67 

49.92 

62 

42.56 

44-31 

46.00 

47-59 

49.07 

50.45 

51.74 

53- OI 

63 

45-99 

47-74 

49-39 

50-93 

52.36 

53-7° 

55 -02 

56.34 

64 

49.61 

5I-32 

52.92 

54-41 

55.8o 

57-17 

58.55 

59.91 

65 

53-39 

55-°5 

56.60 

58.05 

59-47 

60.91 

62.33 

63.98 

66 

57-34 

58.95 

60.46 

61.94 

63-43 

64.91 

66.64 

68.28 

67 

61.47 

63.05 

64.59 

66.14 

67.69 

69.49 

71 .20 

72-75 

68 

65.81 

67-43 

69.05 

70.66 

72-54 

74-33 

75-95 

77.23 

69 

70.47 

72  .16 

73-85 

75-81 

77.68 

79-37 

80.71 

81.88 

70 

75-5° 

77.26 

79-32 

81.27 

83.04 

84.44 

85.67 

87.24 

Am.3% 


O.L 


'52 


Principles  and  Practice 


Table  No 

.  XL.— 

Continued. 

COST 

OF   INSURANCE    PER    $iooo 

OF   AN    ORDINARY 

LIFE 

POLICY  DURING   VARIOUS 

YEARS,  AMERICAN 

EXPERIENCE 

THREE  PER 

CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23  d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.68 

7.69 

7.72 

7-75 

7-79 

7.83 

7.88 

7-94 

21 

7-74 

7-77 

7.80 

7.84 

7.88 

7-94 

7-99 

8.08 

22 

7-83 

7.86 

7.90 

7-94 

7.99 

8.05 

8.14 

8.22 

23 

7.92 

7.96 

8.00 

8.06 

8.12 

8.20 

8.29 

8.41 

24 

8.03 

8.07 

8.12 

8.18 

8.26 

8-35 

8-47 

8.61 

25 

8.13 

8.19 

8.25 

8.33 

8.42 

8-54 

8.68 

8.85 

26 

8.26 

8.32 

8.4I 

8.49 

8.62 

8-75 

8.92 

9.13 

27 

8.39 

8.48 

8.57 

8.70 

8.83 

9.00 

9.22 

9.46 

28 

8.56 

8.65 

8.78 

8.92 

9-09 

9-3° 

9-55 

9.82 

29 

8.74 

8.86 

9.OO 

9.18 

9-39 

9.64 

9.92 

10.22 

30 

8.95 

9.10 

9.27 

9-49 

9-74 

10.02 

10.33 

10.67 

3i 

9.19 

9-37 

9-59 

9.84 

10.13 

10.44 

10.78 

II  .16 

32 

9-47 

9.70 

9-95 

10.24 

10.55 

10.90 

11.29 

11.70 

33 

9.81 

10.06 

10.36 

10.68 

11.03 

11 .42 

11.84 

12.29 

34 

10.19 

10.48 

10.80 

11 .16 

11-55 

11.98 

12.44 

12.94 

35 

10.61 

10.94 

11.30 

11 .70 

12.13 

12.60 

13.10 

13.63 

36 

11.08 

H-45 

11.85 

12.29 

12.76 

13.27 

13.81 

14-39 

37 

11.60 

12.01 

12.45 

12.94 

13-45 

13-99 

14.58 

15.21 

38 

12.18 

12.63 

13.12 

13-64 

14.19 

14-79 

15.42 

16.10 

39 

12.82 

13-31 

13.84 

14.40 

15.01 

I5-65 

16.34 

17-05 

40 

I3-52 

14.06 

14.63 

15-24 

15.89 

16.59 

17.32 

18.08 

41 

14.28 

14.86 

15-49 

16.15 

16.86 

17.60 

i8.37 

19.18 

42 

15.  II 

15-75 

16.42 

17.14 

17.89 

18.68 

I9-51 

20.38 

43 

16.02 

16.71 

17.44 

18.21 

19.01 

I9-85 

20.74 

21 .66 

44 

17.02 

17.76 

18.54 

19.36 

20.21 

21 .  12 

22.06 

23.04 

45 

18.10 

18.90 

19-73 

20.60 

21.52 

22.48 

23.48 

24.52 

46 

19.28 

20. 12 

21 .01 

21.96 

22.93 

23-95 

25.01 

26.09 

47 

20.54 

21.45 

22.41 

23-41 

24-45 

•25-53 

26.64 

27.78 

48 

21.92 

22.90 

23.92 

24.98 

26.09 

27.22 

28.38 

29-55 

49 

23.42 

24.46 

25-55 

26.68 

27-83 

29.03 

30.22 

31.37 

50 

25.04 

26.15 

27-31 

28.49 

29.71 

3° -93 

32.11 

33-22 

5i 

26.79 

27.98 

29.19 

3° -44 

31.69 

32.90 

34.04 

35 -IO 

52 

28.70 

29.94 

31.22 

32-5° 

33-74 

34.91 

35-99 

37.01 

53 

30-73 

32-°5 

33-37 

34.64 

35-84 

36.95 

37-99 

38.96 

54 

32.94 

34-29 

35- 60 

36.83 

37-97 

39-°4 

40.04 

41 .02 

55 

35-27 

36.62 

37.88 

39.06 

40. 16 

41.19 

42  .20 

43-21 

5<5 

37-71 

39.01 

40.22 

41-35 

42.41 

43-45 

44-5° 

45-54 

57 

40.21 

41.46 

42.63 

43-72 

44-79 

45-87 

46.94 

48.19 

58 

42.79 

43-99 

45-12 

46.22 

47-33 

48.44 

49-73 

5o.95 

59 

45-44 

46.61 

47-75 

48.90 

50.04 

51.37 

52.64 

53-79 

6o 

48.21 

49-39 

50.58 

51.76 

53-13 

54-44 

55-63 

56.57 

6i 

5l»»4 

52.37 

53-59 

55  .02 

56.37 

57.60 

58.57 

59.42 

62 

54-29 

55-55 

57-03 

58-44 

59-71 

60.72 

61 .60 

62.73 

63 

57-66 

59-19 

60.65 

61.97 

63.02 

63-93 

65.10 

66.71 

64 

61.50 

63.02 

64-39 

65.48 

66.43 

67.65 

69.32 

71-54 

65 

65.56 

66.99 

68.12 

69. 11 

7o.37 

72.12 

74-43 

76.73 

66 

69.77 

70-95 

71.98 

73-3o 

75-u 

77-52 

79.91 

81.59 

67 

73.98 

75-o5 

76.43 

78.32 

80.83 

^3  -33 

85.08 

86.37 

68 

78.35 

79-78 

81.76 

84.38 

86.99 

88.81 

90. 16 

92.72 

69 

83-38 

85-45 

88.18 

90.91 

92.82 

94.23 

96.90 

102.33 

70 

89.40 

92 .26 

95- iJ 

97.11 

98.58 

101.38 

107.06 

109.06 

O.L. 


Am.3% 


Of  Life  Insurance. 


1S3 


Table  No.  XL.— 

Continued. 

COST 

OF    INSURANCE    PER    Siooc 

OF   AN    ORDINARY 

LIFE 

POLICY  DURING   VARIOUS 

YEARS,   AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Age. 

25th 

26th 

27th 

28th 

29th 

30th 

31st 

32d 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

8.02 

8.IO 

8.22 

8-35 

8.51 

8.71 

8-94 

9.20 

21 

8.16 

8.28 

8.41 

8-57 

8.78 

9.OI 

9.27 

9-55 

22 

8.34 

8.47 

8.64 

8.84 

9.07 

9-33 

9.62 

9.94 

23 

8.54 

8.70 

8.91 

9.14 

9.4I 

9.70 

I0.02 

10.37 

24 

8.77 

8.98 

9.22 

9.48 

9-77 

10.10 

IO.45 

10.84 

25 

9-05 

9.29 

9-56 

9.86 

10.18 

10.54 

IO.93 

"•35 

26 

9-37 

9.64 

9.94 

IO.27 

10.63 

11.02 

n-45 

11.90 

27 

9-73 

IO.03 

IO.36 

IO-73 

11 .12 

n-55 

12.01 

12.50 

28 

10.13 

IO.46 

IO.83 

II.23 

11.66 

12.12 

12.62 

I3-I5 

29 

10.56 

IO.93 

u-34 

II.78 

12.24 

12.74 

13.28 

13-84 

30 

11.05 

n. 45 

11 .90 

12.37 

12.87 

i3-4i 

13-99 

14.60 

3i 

n-57 

12.02 

12.50 

13.OI 

13-55 

14.13 

14-75 

15.40 

32 

12.15 

12.64 

13-15 

13.70 

14.29 

14.91 

15-57 

16.25 

33 

12.78 

*3'3° 

13.86 

14-45 

15.09 

15-75 

16.44 

17.17 

34 

13.46 

14.03 

14.63 

I5.27 

15-94 

16.64 

17-37 

18.15 

35 

14.20 

14.81 

15.46 

16.14 

16.85 

17-59 

18.38 

19.20 

36 

15.00 

15.66 

16.35 

17.07 

17.82 

18.62 

19-45 

20.31 

37 

I5-87 

16.57 

17.30 

18.06 

18.88 

19.72 

20.59 

21.50 

38 

16.81 

17-54 

18.32 

19.14 

20.00 

20.88 

21.81 

22.75 

39 

17.80 

18.59 

19-43 

20.29 

21.19 

22.13 

23.09 

24.08 

40 

18.88 

19-73 

20.61 

21.52 

22.47 

23-44 

24-45 

25-45 

4i 

20.04 

20  94 

21.86 

22.83 

23.82 

24.84 

25.86 

26.85 

42 

21 .29 

22.23 

23.22 

24.22 

25.26 

26.30 

27.30 

28.24 

43 

22.62 

23-63 

24.65 

25.70 

26.76 

27.78 

28.74 

29.63 

44 

24.06 

25.10 

26.18 

27.25 

28.29 

29.27 

30.18 

3!-03 

45 

25.58 

26.68 

27.77 

28.83 

29.83 

3o.75 

31.62 

32.43 

46 

27.21 

2*. 33 

29.41 

30.42 

3J-37 

32.25 

33-o8 

33-89 

47 

28.92 

30.02 

31.06 

32.02 

32.92 

33-77 

34.6o 

35-43 

48 

30.68 

3J-74 

32.72 

33-64 

34.5o 

35-35 

36.20 

37-05 

49 

32.46 

33-46 

34-41 

35-29 

36.15 

37.02 

37.89 

38.89 

5o 

34.26 

35" 22 

36.12 

37-oi 

37-9o 

38.78 

39.81 

40.79 

5i 

36.08 

37.OI 

37-92 

38.83 

39-74 

40.79 

41 .80 

42.71 

52 

37-96 

38.89 

39.82 

40.75 

41.84 

42.87 

43.8o 

44-54 

53 

39-  92 

4O.88 

41.83 

42.95 

44.00 

44.96 

45-72 

46.39 

54 

42.01 

42.99 

44.13 

45.22 

46.21 

46.98 

47-67 

48.54 

55 

44.22 

45-40 

46.51 

47-53 

48.33 

49-03 

49-93 

51-17 

56 

46.75 

47.9O 

48.94 

49-77 

5° -49 

5i-4i 

52.69 

54.38 

57 

49-37 

50-45 

s1^0 

52.05 

53- 00 

54-3i 

56.05 

57.78 

58 

52.06 

52.94 

53.7i 

54.69 

56.05 

57-84 

59-63 

60.88 

59 

54.69 

55-49 

56.50 

57-90 

59-76 

61 .60 

62.90 

63.85 

60 

57-39 

58.44 

59.89 

61.80 

63.72 

65-05 

66.04 

67.91 

61 

60.51 

62.01 

64.00 

65-97 

67.36 

68.38 

70.32 

74.26 

62 

64.28 

66.34 

68.39 

69.83 

70.89 

72.90 

76.98 

78.42 

63 

68.85 

70.98 

72.47 

73-57 

75-66 

79.90 

8i.39 

83-45 

64 

73-75 

75-3o 

76.44 

78.61 

83.02 

84.57 

86.71 

65 

78.34 

79-53 

81.78 

86.37 

87.98 

90.21 

66 

82.83 

85.18 

89-95 

91.63 

93-95 

67 

88.82 

93.80 

95-55 

97-97 

68 

97.92 

99  •  75 

102 .27 

69 

104.24 

106.88 

70 

in. 82 

Am.  3* 


O.L 


J54 


Principles  and  Practice 


Table  No.  XL.— Continued. 

COST 

OF    INSURANCE    PER    81000 

OF    AN    ORDINARY 

LIFE 

POLICY  DURING   VARIOUS 

YEARS,   AMERICAN 

EXPERIENCE 

THREE  PER 

CENT. 

Age. 

33  d 

34th 

35th 

36th 

37th 

38th 

39th 

40th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

9.48 

9.80 

10.14 

IO.52 

IO.92 

II.36 

II.82 

12.31 

21 

9.87 

I0.22 

IO.59 

II  .00 

11.44 

II  .90 

12.40 

12.93 

22 

IO.29 

IO.67 

II.08 

II.52 

II.99 

12.49 

I3.03 

13.60 

23 

10.75 

II. 17 

II  .61 

12.08 

12.59 

13-13 

13.70 

14-31 

24 

11.26 

II  .70 

I2.l8 

12.69 

13.24 

13.81 

14.42 

I5-05 

25 

11.80 

12.28 

I2.8o 

13-35 

13-93 

14.54 

15.18 

15.85 

26 

13. 39 

12.91 

13.46 

14-05 

14.67 

15.31 

15.99 

16.71 

27 

I3.02 

I3-58 

14.18 

14.80 

15-45 

16.13 

16.86 

17.61 

28 

I3-7« 

I4-31 

14.94 

15-59 

16.28 

17.02 

17-77 

18.56 

29 

1445 

'i5-°9 

15-75 

16.44 

17.18 

17-95 

18.74 

19-57 

30 

l5-24 

i5-9i 

16.61 

17-36 

18.13 

18.93 

19.77 

20.63 

3i 

16.08 

16.79 

17-54 

18.32 

19-13 

19.98 

20.85 

21-74 

32 

16.97 

17-74 

18.53 

19.35 

20.20 

21 .08 

21.98 

22.88 

33 

17.94 

18.74 

19.57 

20.44 

21.32 

22.23 

23-15 

24.03 

34 

18.96 

19.80 

20.68 

21.58 

22.50 

23.42 

24.32 

25.16 

35 

20.05 

20.94 

21.85 

22.78 

23.72 

24.62 

25.47 

26.26 

36 

21  .21 

22.13 

23.08 

24-03 

24-94 

25.81 

26.61 

27-35 

.37 

22.43 

23-39 

24-35 

25.28 

26.16 

26.97 

27-73 

28.44 

38 

23.72 

24.70 

25.64 

26.53 

27.35 

28.12 

28.84 

29-55 

39 

25.06 

26.02 

26.92 

27.76 

28.54 

29.27 

29.99 

30.71 

40 

26.42 

27-34 

28.19 

28.98 

29.72 

30-45 

31.18 

31-91 

41 

27.78 

28.64 

29.44 

30.20 

3°-94 

31.68 

32.42 

33-29 

42 

29.12 

29.94 

30.71 

31.46 

32.22 

32-97 

33-85 

34.68 

43 

3° -47 

3!-25 

32.01 

32.78 

33-55 

34-44 

35-29 

36.06 

44 

31.82 

32.60 

33-39 

34.16 

35-°7 

35-94 

36.72 

37-34 

45 

33  -23 

34.02 

34.82 

35-74 

36.62 

37-42 

38.05 

38.61 

46 

34-71 

35-51 

36.46 

37-36 

38.17 

38.82 

39.38 

40.10 

47 

36.26 

37.22 

38.14 

38.97 

39-63 

40.20 

40.94 

4i-95 

48 

3»-°3 

38-97 

39.82. 

40.49 

41 .08 

41.83 

42.86 

44.24 

49 

39-85 

40.72 

41.41 

42.01 

42.78 

43-84 

45-24 

46.64 

50 

41.68 

42.39 

43.00 

43-79 

44.87 

46.31 

47-74 

48.75 

5i 

43-43 

44.06 

44.87 

45-98 

47-45 

48.92 

49.94 

50.70 

52 

45   19 

46.01 

47-x5 

48.66 

5<?-*7 

51.22 

52.00 

53-47 

53     ' 

47.24 

48.41 

49.96 

5i-5o 

52.58 

53-38 

54.89 

57-97 

54 

49-74 

5l-33 

52.92 

54.03 

54.85 

56.41 

59-57 

60.68 

55 

52.81 

54-44 

55-58 

56.42 

58.02 

61.28 

62.42 

64.00 

56 

56.06 

57-23 

58.10 

59-75 

63.10 

64.28 

65.90 

57 

59.00 

59-89 

6i.59 

65.04 

66.26 

67.94 

58 

61.81 

63-56 

67.12 

68.38 

70.11 

59 

65.66 

69.34 

70.64 

72-43 

60 

71.72 

73.06 

74. QT 

61 

75 .65 

77-56 

62 

80.41 

O.L. 


Am.3% 


Of  Life  Insurance 

J55 

Table  No.  XL.— 

Concluded. 

COST 

OF    INSURANCE    PER    $iooo 

OF   AN    ORDINARY 

LIFE 

POLICY   DURING   VARIOUS 

YEARS,   AMERICAN 

EXPERIENCE 

THREE  PER 

CENT. 

Ace. 

41st 

42d 

43  d 

44th 

45th 

46th 

47th 

48th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

12.84 

13.40 

J3-99 

14.61 

I5.25 

15.94 

16.65 

17-39 

21 

13-5° 

14.09 

14.71 

15.36 

16.05 

16.77 

I7.5I 

18.29 

22 

14.20 

14.82 

15.48 

16.17 

16.89 

17.64 

18.42 

19.22 

23 

14-93 

15.60 

16.30 

17.02 

17.77 

18.56 

19-37 

20.20 

24 

15-72 

16.43 

17.16 

17.92 

18.71 

I9.52 

20.36 

21.19 

25 

16.56 

17-3° 

18.07 

18.87 

19.68 

20.53 

21.37 

22.19 

26 

17-45 

18.22 

19.03 

19.86 

20.71 

21.56 

22.38 

23-15 

27 

18.39 

19.20 

20.03 

20.89 

2i-75 

22.58 

23.36 

24.09 

28 

19-38 

20.22 

21  .09 

21  .96 

22.79 

23.58 

24.31 

25.00 

29 

20.42 

21 .29 

22.17 

23.02 

23.81 

24.55 

25.24 

25.89 

30 

21.51 

22.40 

23-25 

24.O5 

24.80 

25-50 

26.15 

26.79 

3i 

22 .63 

23-5° 

24.31 

25.06 

25-77 

26.43 

27.08 

27-73 

32 

23.76 

24.58 

25-34 

26.05 

26.72 

27.38 

28.03 

28.69 

33 

24.86 

25-63 

26.35 

27.O3 

27.69 

28.36 

29.02 

29.79 

34 

25-94 

26.67 

27-35 

28.02 

28.70 

29-37 

3°-I5 

30.89 

35 

27.00 

27.70 

28.37 

29.06 

29-73 

30.53 

31.28 

31.96 

36 

28.06 

28.74 

29.44 

30.I2 

30.92 

31.69 

32.38 

32.92 

37 

29.14 

29.84 

3° -53 

3J-34 

32.12 

32.82 

33-37 

33-86 

38 

30.26 

3o.97 

3i-79 

32-57 

33-28 

33-84 

34-34 

34-96 

39 

31.42 

32 .26 

33-o5 

33.78 

34-34 

34.84 

35-48 

36.36 

40 

32.76 

33-57 

34-3° 

34-88 

35.38 

36.03 

36.92 

38.10 

4i 

34-ii 

34-85 

35-44 

35-95 

36.61 

37.52 

38.72 

39.92 

42 

35-44 

36-03 

36.56 

37-23 

38.15 

39-37 

40.59 

41.44 

43 

36.67 

37.20 

37-88 

38.82 

40.06 

41.30 

42.17 

42.81 

44 

37.88 

38.58 

39-53 

40.80 

42  .06 

42.94 

43-59 

44.83 

45 

39-31 

40.29 

41.58 

42.86 

43.76 

44-43 

45-69 

48.25 

46 

41.09 

42.41 

43-72 

44.64 

45.32 

46.60 

49.21 

5°. J3 

47 

43-29 

44-63 

45-57 

46.26 

47-57 

50.24 

5i-i8 

52.47 

48 

45.61 

46.56 

47.27 

48.61 

51-33 

52.29 

53-62 

49 

47.62 

48.34 

49.71 

52.50 

53-48 

54.83 

50 

49.48 

50.89 

53-74 

54-75 

56.13 

5i 

52-14 

55 -°6 

56.09 

57-5i 

52 

56.47 

57-53 

58.98 

53 

S9-OS 

60.55 

54 

62  .22 

Am.3* 


lOPay.L 


156 

Principles  and  Practice 

Table  No.  XII. 

COST  OF  INSURANCE    PER  Siooo  OF  A  TEN-PAYMENT   LIFE 

POLICY,   DURING   VARIOUS  YEARS,   AMERICAN 

EXPERI- 

ENCE,  THREE  PER  CENT. 

Ace. 

1st  Year. 

3d  Year. 

3d  Year. 

4th  Year. 

5th  Year. 

SO 

7-55 

7-33 

7. II 

6.86 

6.61 

31 

7.60 

7-37 

7.14 

6.89 

6.63 

aa 

7.64 

7.41 

7.17 

6.92 

6.66 

a3 

7.69 

7-45 

7.21 

6-95 

6.69 

a4 

7-73 

7-49 

7.25 

6.99 

6.71 

a5 

7.78 

7-54 

7.29 

7-03 

6.75 

30 

7.84 

7-59 

7-34 

7.07 

6-79 

a7 

7.90 

7-65 

7-39 

7.12 

6.83 

28 

7.96 

7.71 

7-45 

7.17 

6.87 

29 

8.03 

7-77 

7-5o 

7.22 

6-93 

30 

8.10 

7.84 

7-57 

7.29 

6.99 

3i 

8.17 

7.91 

7-65 

7-36 

7.04 

3a 

8.26 

8.00 

7.72 

7.42 

7.12 

33 

8.36 

8.09 

7.80 

7-51 

7.20 

34 

8.46 

8.18                7.9i 

7.60 

7.29 

35 

8-57 

8.30                8.01 

7.71 

7-39 

36 

8.69 

8.42 

8.14 

7*3 

7-5i 

37 

8.83 

8.56 

8.27 

7.96 

7.62 

38 

8.98 

8.70 

8.42 

8.10 

7.76 

39 

915 

8.88 

8.57 

8.26 

7.91 

40 

9-33 

9-°5 

8.76 

8.43 

8.10 

4i 

9-53 

9-35 

8-95 

8.64 

8.29 

4a 

975 

9-47 

9.19 

8.86 

8-53 

43 

9.99 

9-73 

9-44 

9-13 

8.79 

44 

10.28 

10.01 

9-74 

9-43 

9.10 

45 

10.59 

10.34 

10.07 

9.78 

9-47 

46 

10.95 

10.71 

10.46 

10.19 

9.89 

47 

1136 

11. 14 

10.92 

10.66 

10.36 

48 

11.82 

11.65 

11.44 

11. 19 

10.88 

49 

12.38 

12.22 

12.03 

11.79 

11.47 

50 

13.00 

12.87 

12.69 

12.44 

12.13 

51 

13.70 

J3-59               13-42 

13 -!9 

12.86 

52 

1449 

14.39               14-24 

14.01 

13  fy 

53 

15-36 

15-29               I5-J5 

14.92 

14-57 

54 

16.35 

16.30 

16.17 

J5-94 

15-55 

55 

17-43 

17.41 

I7-30 

I7-05 

16.66 

56 

18.65 

18.65 

18.54 

18.30 

17.87 

57 

20.00 

20.01 

19.92 

19.67 

19.22 

58 

21.48 

21-53 

21-45 

21.20 

20.70 

59 

23-13 

23.22 

23-I5 

22.88 

22.34 

00 

24.96 

25.08 

25.02 

24.73 

24.14 

01 

26.99 

27.14 

27.09 

26.78 

26.15 

0a 

29.23 

29.40               29.37 

29.06 

28.37 

03 

31.69 

31.91               31.91 

31-57 

30.81 

64 

34.41 

3470               34-7° 

34-35 

33-53 

65 

37-44 

37-77               37-79 

37-43 

36.52 

lOPay.L. 


Am.3* 


Of  Life  Insurance. 


J57 


Table  No. 

XLI.— Concluded. 

COST  OF  INSURANCE   PER 

fiooo   OF  A  TEN-PAYMENT   LIFE 

POLICY,  DURING   VARIOUS  YEARS.     AMERICAN  EXPERI- 

ENCE,  THREE  PER  CENT. 

Age. 

6th  Year. 

7th  Year. 

8th  Year. 

9th  Year. 

10th  Year. 

20 

6-34 

6.06 

5-76 

5-45 

5.13 

21 

6.36 

6.07 

5-77 

5-46 

5-13 

22 

6.38 

6.09 

5.78 

'5-46 

5-« 

33 

6.40 

6. 11 

5-8o 

5 -46 

5-" 

24 

6.43 

6.13 

5-8i 

5-47 

5" 

35 

6.46 

6i5 

583 

5-49 

5-« 

26 

6.49 

6.18 

5.85 

5-5© 

5-13 

27 

6-53 

6.21 

5-87 

5-5i 

5.i4 

28 

6-57 

6.25 

5 -90 

5-54 

5.i4 

29 

6.6a 

6.28 

5-93 

5-56 

5.16 

30 

6.66 

6-33 

5-97 

5-59 

5.18 

31 

6-73 

6.38 

6.03 

5  63 

5-31 

32 

6.79 

6.44 

6.07 

567 

5.24 

33 

6.87 

6.51 

6.13 

5-72 

5-27 

34 

6-95 

6-59 

6.19 

5-77 

5.3i 

35 

7.0S 

6.67 

6.37 

5-83 

537 

36 

715 

6.77 

6.35 

5-91 

5-42 

37 

7.27 

6.87 

6.46 

6.00 

5-5o 

38 

7-39 

7.01 

6.57 

6. 11 

5-59 

39 

7-55 

7-i5 

6.73 

6.23 

5.7o 

40 

7.7a 

7.3a 

6.87 

6.38 

5.83 

4i 

7-93 

7.5i 

7.06 

6.56 

5-98 

42 

8.15 

7-74 

7.39 

6-77 

6.16 

43 

8.4a 

8.02 

7-55 

7.00 

6-35 

44 

8.74 

8-33 

7.84 

7.26 

6-55 

45 

9. 11 

8.68 

8.17 

7-54 

6.79 

46 

9-52 

9.07 

8-53 

7.86 

7.04 

47 

9.98 

9-5i 

8-93 

8.21 

7-3i 

48 

10.49 

10.00 

9-38 

8-59 

7.60 

49 

11.07 

10.54 

9.87 

9.01 

7.91 

50 

11.70 

11. 14 

10.41 

9.46 

8.34 

51 

13.41 

11.80 

11.00 

9-95 

8-59 

52 

13  -19 

".53 

11.65 

10.49 

8.97 

53 

14.05 

13-33 

12.36 

11 .07 

9-36 

54 

15.00 

14.22 

13-14 

11 .69 

9-77 

55 

16  05 

I5-I9 

13-99 

12.36 

IO. 31 

56 

17.22 

16.26 

14.92 

13.09 

10.66 

57 

18.50 

17-43 

15-93 

13.89 

11. 14 

58 

19.9c 

18.72 

I7-05 

14-75 

11.63 

59 

31.46 

20.15 

18.27 

15.67 

12.15 

60 

33.18 

21.72 

19.61 

16.68 

12.67 

61 

35.08 

33-45 

21.09 

17.77 

13.22 

62 

37.18 

a5-36 

22.70 

18.95 

13.76 

63 

a9-5i 

27.46 

24-47 

30.  31 

14.38 

64 

32.07 

29.79 

26.39 

.31-53 

14.78 

65 

34-9o 

32.32 

28.45 

23.93 

i5-a4 

Am.3% 


15Pay.L 


158 

Principles  and 

Practice 

1 

Table  No.  XLII. 

COST  OF  INSURANCE  PER  $  1,000,  FIFTEEN  PAYMENT 

'  LIFE 

POLICY,   DURING 

VARIOUS   YEARS,   AMERICAN   EXPERI- 

ENCE,  THREE  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.64 

7-51 

7.38 

7.24 

7.08 

6.92 

6.76 

6-59 

21 

7.68 

7-55 

7.42 

7.27 

7. II 

6.96 

6.79 

6.62 

22 

7-73 

7.60 

7.46 

7-3° 

7-*5 

7.00 

6.82 

6.65 

33 

7'1S 

7'6J> 

7-49 

7«3:> 

7.20 

7-03 

6.86 

6.69 

24 

7.83 

7.68 

7-54 

7.40 

7.24 

7.08 

6.90 

6.72 

25 

7.87 

7-74 

7.60 

7-44 

7.29 

7.12 

6.94 

6.76 

26 

7-94 

7.80 

7-65 

7-50 

7-34 

7.17 

6.99 

6.81 

27 

8.00 

7.85 

7.71 

7-56 

7-39 

7.22 

7-°5 

6.87 

28 

8.06 

7.92 

7-77 

7.61 

7-45 

7.29 

7. 11 

6.92 

29 

8.13 

7-99 

7.84 

7.68 

7-53 

7-35 

7.17 

6-99 

30 

8.21 

8.06 

7.91 

7.76 

7.60 

7.42 

7-25 

7.06 

31 

8.29 

8.14 

8.00 

7-84 

7.67 

7-5i 

7-33 

7.15 

32 

8-37 

8.24 

8.09 

7-93 

7-77 

7.60 

7-43 

7.24 

33 

8.48 

8-34 

8.18 

8.03 

7-87 

7-7i 

7-53 

7-35 

34 

8.58 

8.43 

8.29 

8.14 

7-99 

7.82 

7-65 

7.46 

35 

8.69 

8.56 

8.41 

8.27 

8. 11 

7-95 

7-77 

7-59 

36 

8.82 

8.68 

8-55 

8.40 

8.26 

8.09 

7.92 

7-73 

37 

8.96 

8.84 

8.70 

8.56 

8.40 

8.25 

8.07 

7.90 

38 

9.12 

8.99 

8.87 

8.72 

8.58 

8.42 

8.26 

8.08  " 

39 

9.29 

9.17 

9.04 

8.91 

8.76 

8.62 

8.46 

8.31 

40 

9-48 

9-36 

9.24 

9. 11 

8.99 

8.84 

8.71 

8.56 

4i 

9.68 

9-58 

9.46 

9-35 

9.22 

9. 11 

8.98 

8.85 

42 

9.91 

9.81 

9.72 

9.61 

9-5i 

9.41 

9.30 

9.20 

43 

10.16 

10.08 

9.99 

9.92 

9  83 

9-75 

9.68 

9.60 

44 

10.45 

10.38 

10.32 

10.26 

10.20 

10. 16 

10. 1 1 

10.04 

45 

10.77 

io.73 

10.69 

10.66 

10.64 

10.63 

10.59 

10.54 

46 

11. 15 

11. 12 

11 .12 

11. 13 

11. 14 

11. 15 

11. 14 

11 .10 

47 

n.56 

n.58 

11.62 

11.66 

11. 71 

11-74 

11.74 

11 .72 

48 

12.04 

12. 11 

12.19 

12.27 

12.34 

12.39 

12.42 

12.41 

49 

12.61 

12.71 

12.83 

12.94 

13.04 

13.12 

13-17 

13.18 

50 

i3-25 

13-39 

13-54 

13.69 

13-83 

13-94 

14.01 

14.03 

5i 

13.96 

14.15 

14-34 

14.53 

14.70 

14.85 

14.94 

14.97 

52 

14-77 

15.00 

i5-24 

15-47 

15.68 

I5-85 

15.96 

16.01 

53 

15.66 

15-95 

16.23 

16.51 

i6.75 

16.95 

17.10 

17.16 

54 

16.67 

17.01 

17-35 

17.66 

17.94 

18.18 

18.36 

18.44 

55 

17.79 

18.19 

i8.57 

18.93 

19.26 

19-54 

19-75 

19.84 

56 

19.03 

19.49 

19.92 

20.35 

20.73 

21.05 

21.28 

21.38 

57 

20.41 

20.92 

21.43 

21.91 

22.35 

22.71 

22.96 

23.08 

58 

21 .92 

22.52 

23.10 

23.64 

24.14 

24-54 

24.83 

24.97 

59 

23.61 

24.29 

24.94 

25-56 

26.10 

26.55 

26.90 

27.06 

60 

1 

25.48 

26.24 

26.98 

27.66 

28.27 

28.80 

29.18 

29-35 

15Pay.L. 


Am.3% 


Of  Life  Insurance. 


*59 


Table  No.  XLIL— Concluded. 

COST  OF  INSURANCE  PER  $1000,  FIFTEEN  PAYMENT  LIFE 

POLICY,  DURING  VARIOUS 

YEARS, 

AMERICAN  EXPERI- 

ENCE,  THREE  PER 

CENT. 

9th 

10th 

llth 

12th 

13th 

14th 

15th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.41 

6.22 

6.03 

5.8l 

5.60 

5-37 

5-12 

21 

6.44 

6.25 

6.04 

5.83 

5.6l 

5.38 

5.12 

22 

6.47 

6.27 

6.07 

5-86 

5-63 

5.38 

5-14 

23 

6.49 

6.30 

6.IO 

5-88 

5-64 

5.40 

5-14 

24 

6.53 

6-34 

6.13 

5-9° 

5.67 

5.42 

5.16 

25 

6.58 

6.37 

6.16 

5-94 

5-7o 

5-45 

5.18 

26 

6.62 

6.41 

6.20 

5-97 

5-74 

5-48 

5.21 

27 

6.66 

6.46 

6.24 

6.02 

5.78 

5.52 

5.24 

28 

6.73 

6.52 

6.30 

6.07 

5.83 

5.56 

5.27 

29 

6.79 

6-59 

6.36 

6.13 

5-88 

5.61 

5.31 

30 

6.87 

6.66 

6.44 

6.19 

5-94 

5.66 

5-37 

31 

6-95 

6.74 

6.51 

6.27 

6.01 

5-73 

5-42 

32 

7.04 

6.83 

6.60 

6-35 

6.10 

5-8i 

5.5o 

33 

7.14 

6v93 

6.70 

6.46 

6.19 

5-9i 

5-59 

34 

7.26 

7.04 

6.82 

6-57 

6.31 

6.02 

5-70 

35 

7-39 

7.18 

6-95 

6.71 

6.44 

6.15 

5.83 

36 

7-54 

7-33 

7. II 

6.87 

6.60 

6.32 

5.98 

37 

7-7i 

7-5i 

7.29 

7-o5 

6.80 

6.50 

6.16 

38 

7.91 

7.71 

7.50 

7.28 

7.02 

6.72 

6.35 

39 

8.14 

7-95 

7.76 

7-54 

7.27 

6.95 

6.55 

40 

8.40 

8.24 

8.05 

7.83 

7-55 

7.21 

6.79 

4i 

8.72 

8-57 

8.38 

8.15 

7.86 

7-50 

7.04 

42 

9.08 

8.94 

8.75 

8.51 

8.21 

7.8i 

7.3i 

43 

9.49 

9-35 

9.16 

8.91 

8.59 

8.16 

7.60 

44 

9.94 

9.80 

9.62 

9-36 

9.00 

8-53 

7.91 

45 

10.45 

10.32 

IO.I2 

9-85 

9.46 

8-93 

8.24 

46 

11.02 

10.89 

IO.68 

10.38 

9-95 

9-37 

8.59 

47 

11.65 

11. 52 

11.3° 

10.97 

10.50 

9.85 

8-97 

48 

12-35 

12.21 

11-97 

11. 61 

11.09 

10.36 

9.36 

49 

i3-12 

12.98 

12.72 

12.32 

11-73 

10.91 

9-77 

5o 

13-97 

13.82 

13-54 

13.10 

12.43 

11.49 

10.21 

5i 

14.92 

14. 76 

14-45 

13-95 

13.  J9 

12.12 

10.66 

52 

15.96 

15-79 

15.44 

14.87 

14.02 

12.81 

11. 14 

53 

17.12 

16.92 

16.52 

15.88 

14.92 

13-54 

11.63 

54 

18.39 

18.16 

17.72 

17.00 

15.90 

14.33 

12.15 

55 

19.78 

19.53 

19.04 

18.22 

16.97 

15.18 

12.67 

56 

21.32 

21.05 

20.49 

19-55 

18.14 

16.09 

13.22 

57 

*3 -°3 

22.72 

22.08 

21.03 

19.41 

17.07 

13.76 

58 

24.90 

24.55 

23.84 

22.64 

20.80 

18.10 

14.28 

59 

26.98 

26.59 

25.78 

24.41 

22.29 

19.18 

14.78 

60 

29.28 

28.83 

27.91 

26.33 

23.88 

20.29 

15-24 

Am.3% 


20Pay.L 


1 60 

Principles  and  Practice 

Table  No.  XLIII 

COST 

OF  INSURANCE 

PER    Jiooo,   TWENTY-PAYMENT   LIFE 

POL 

DURING     VARIOUS     YEARS,     AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Abb. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.68 

7.60 

7-51 

7.42 

7.32 

7.21 

7. II 

21 

7-73 

7.64 

7-55 

7.46 

7-35 

7.25 

7-15 

22 

7-77 

7.69 

7-59 

7-49 

7.40 

7-30 

7.19 

23 

7.82 

7-73 

7.64 

7-54 

7.44 

7-34 

7-23 

24 

7.87 

7.78 

7.69 

7-59 

7.49 

7-39 

7.28 

25 

7.92 

7.84 

7-74 

7.64 

7-55 

7-44 

7-33 

26 

7.98 

7.89 

7.80 

7-71 

7.61 

7-50 

7-39 

27 

8.05 

7-95 

7.86 

7.77 

7.66 

7.56 

7.46 

28 

8. 11 

8.02 

7-93 

7.83 

7.73 

7.64 

7-53 

29 

8.18 

8.10 

8.00 

7.91 

7.82 

7.71 

7.60 

30 

8.26 

8.17 

8.08 

7-99 

7.90 

7-79 

7.70 

31 

8-34 

8.25 

8.17 

8.08 

7.98 

7.89 

7-79 

32 

8.43 

8.35 

8.27 

8.17 

8.09 

7-99 

7.91 

33 

8-53 

8.45 

8.36 

8.28 

8.19 

8.12 

8.02 

34 

8.64 

8.56 

8.48 

8.40 

8-33 

8.24 

8.16 

35 

8-75 

8.68 

8.60 

8.54 

8.46 

8-39 

8.31 

3<5 

8.88 

8.81 

8-75 

8.68 

8.62 

8.54 

8.47 

37 

9.02 

8.97 

8.90 

8.85 

8.78 

8.72 

8.65 

38 

9.19 

9-i3 

9.08 

9.02 

8.97 

8.91 

8.87 

39 

9.36 

9-3* 

9.26 

9.22 

9.17 

9.14 

9.10 

40 

9-55 

9-5i 

9-47 

9-43 

9.41 

9.38 

9'£ 

4i 

9.76 

9-73 

9.7o 

9.69 

9.67 

9.68 

9.68 

42 

9.99 

9-97 

9-97 

9.96 

9.98 

10.00 

10.04 

43 

10.24 

10.25 

10.25 

10.29 

10.32 

10.38 

10.47 

44 

10.54 

IO-55 

10.60 

10.65 

10.72 

10.83 

10.95 

45 

10.86 

10.91 

10.98 

11.07 

1 1. 19 

n-34 

11-49 

46 

11 .24 

11. 31 

11.42 

11.57 

n-73 

11 .91 

12.10 

47 

11-65 

11.78 

11.94 

12.13 

12.33 

12-55 

12.78 

48 

12.14 

12.32 

12.53 

12.76 

13.01 

13.26 

13-54 

49 

12.71 

12.94 

*3-*9 

13-47 

13-75 

14.06 

14.38 

50 

I3-36 

13.63 

13-93 

14.25 

14.60 

14.95 

15- 32 

51 

14.08 

14.41 

14.76 

15. J4 

15.53 

15.94 

16.35 

52 

14.89 

15.27 

15.68 

16. 11 

16.57 

17-03 

17-49 

53 

15.80 

16.24 

16.71 

17.21 

17.71 

18.23 

18.75 

54 

16.81 

17-32 

17.85 

18.41 

18.98 

19.56 

20.15 

55 

17.94 

18.51 

19.12 

19-73 

20.38 

21.03 

21.69 

20Pay.L. 


Am.3% 


Of  Life  Insurance. 


161 


Table  No.  XLIII.— Continued. 

COST 

OF  INSURANCE 

PER   liooo,  TWENTY-PAYMENT  LIFE 

POLICY, 

DURING     VARIOUS     YEARS,     AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Agi. 

8th 

9th 

10th 

llth 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

30 

7.00 

6.88 

6.76 

6.64 

6.50 

6.36 

6.22 

21 

7-03 

6.92 

6.80 

6.67 

6-53 

6.40 

6.25 

33 

7.08 

6.96 

6.83 

6.71 

6.58 

6.44 

6.29 

23 

7.12 

7.00 

6.88 

6.76 

6.62 

6.48 

6.33 

24 

7.17 

7-°5 

6.93 

6.80 

6.66 

6-53 

6.38 

25 

7.22 

7. 11 

6.99 

6.85 

6-73 

6.58 

6-45 

36 

7.28 

7.17 

7.04 

6.92 

6.79 

6.65 

6.51 

27 

7-35 

7-23 

7. II 

6-99 

6.86 

6.72 

6-59 

38 

7.42 

7.3i 

7.19 

7.07 

6.94 

6.81 

6.67 

29 

7-50 

7-39 

7.28 

7.!6 

7.04 

6.90 

6.76 

30 

7-59 

7-49 

7-37 

7.26 

7-i3 

7.00 

6.86 

31 

7.70 

7-59 

7-49 

7-37 

7-25 

7.12 

6-99 

32 

7.81 

7.71 

7.60 

7-49 

7-37 

7.26 

7-i3 

33 

7-94 

7.84 

7-74 

7-63 

7-53 

7.41 

7-3° 

34 

8.07 

7.98 

7.88 

7-79 

7.69 

7-59 

7-49 

35 

8.23 

8.14 

8.06 

7-97 

7.89 

7.80 

7.71 

36 

8-39 

8-33 

8.25 

8.18 

8. 11 

8.04 

7.98 

37 

8.60 

8-53 

8.48 

8.42 

8-37 

8.33 

8.28 

38 

8.81 

8.78 

8.74 

8.71 

8.69 

8.66 

8.63 

39 

9.08 

9-°5 

9.04 

9.04 

9.04 

9.04 

9.01 

40 

9-37 

9-37 

9-39 

9.42 

9.44 

9-45 

9-44 

41 

9.71 

9-75 

9.80 

9-85 

9.89 

9.91 

9.92 

42 

10. 11 

10.18 

10.26 

io-33 

10.39 

10.43 

10.45 

43 

10.56 

10.67 

10.77 

10.86 

10.95 

11. 01 

11.03 

44 

11.08 

11. 21 

n-34 

11.46 

11.56 

11.64 

11.68 

45 

11.65 

11. 81 

11.98 

12.12 

12.25 

12.34 

12.38 

46 

12.29 

12.49 

12.68 

12.86 

13.01 

I3-" 

13.16 

47 

13.01 

i3-24 

13-47 

13.67 

13.84 

13.96 

14.02 

48 

13.81 

14.08 

14-34 

14.57 

14.76 

14.90 

14.97 

49 

14.70 

15.01 

i5-29 

I5-56 

I5-78 

15-94 

16.01 

50 

15-68 

16.02 

16.36 

16.65 

16.90 

17.08 

17.14 

5i 

16.75 

I7-I5 

17-53 

17.86 

18.14 

18.32 

18.38 

52 

17-95 

18.40 

18.82 

19.19 

19.49 

19.69 

19.77 

53 

19.27 

19.78 

20.24 

20.64 

20.97 

21 .20 

21.27 

54 

20.73 

21.29 

21.80 

22.25 

22.62 

22.86 

22.93 

55 

22.34 

22.95 

23-51 

24.02 

24.42 

24.69 

24.76 

Am.3* 


20Pay.L 


162 

Principles  ane 

»  Practice 

Table  No.  XLIII. — Concluded. 

COST   OF  INSURANCE 

PER   $1000,   TWENTY-PAYMENT  LIFE 

POLICY, 

DURING 

VARIOUS     YEARS 

,     AMERICAN 

EXPERIENCE,  THREE  PER  CENT. 

Age. 

15th 

16th 

17th 

18th 

19th 

20th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.07 

5-91 

5-74 

5.56 

5.38 

5.18 

21 

6.IO 

5-94 

5-77 

5.60 

5-41 

5.21 

22 

6.14 

5-98 

5-8i 

5.63 

5-44 

5.24 

23 

6.18 

6.02 

5.85 

5.68 

5.48 

5-27 

24 

6.24 

6.07 

5-91 

5-72 

5.52 

5.31 

25 

6.29 

6.13 

5-96 

5-77 

5-57 

5-37 

26 

6.36 

6.19 

6.02 

5.83 

5-64 

5-42 

27 

6.43 

6.27 

6.09 

5.9i 

5-7i 

5-5° 

28 

6.52 

6.35 

6.18 

6.00 

5-8o 

5-59 

29 

6.61 

6.45 

6.28 

6. 11 

5-9i 

5.7o 

30 

6.72 

6.56 

6.41 

6.23 

6.04 

5.83 

31 

6.85 

6.70 

6.54 

6-37 

6.19 

5-98 

32 

7.00 

6.86 

6.71 

6.55 

6-37 

6.16 

33 

7.17 

7.04 

6.91 

6.76 

6-57 

6-35 

34 

7.38 

7.27 

7.14 

6.99 

6.80 

6.55 

35 

7.62 

7-52 

7.40 

7.24 

7.04 

6.79 

36 

7.90 

I81 

8.13 

7.69 

7-53 

7-32 

7.04 

37 

8.22 

8.01 

8.19 

7.61 

7.3i 

38 

8-57 

8.49 

8.36 

7-94 
8.29 

7.60 

39 

8.96 

8.88 

8.76 

8.57 

7.91 

40 

9.4O 

9-3« 

9.19 

8.98 

8.67 
9.08 

8.24 

41 

9.88 

9.81 

9.66 

9.42 

8.59 

42 

IO.42 

10 -33 

10.17 

9.91 

9.52 

8.97 

43 

II. OI 

10.91 

10.73 

10.43 

9-99 

9.36 

44 

II.65 

"•55 

"34 

XI. 01 

10.50 

9-77 

45 

I2.36 

12.24 

12.01 

11.63 

11.04 

10.21 

46 

13  J4 

13.01 

12.74 

12.29 

11.62 

10.66 

47 

13-99 

13.84 

13-53 

13.01 

12.24 

11. 14 

48 

14.93 

14.74 

14.38 

13.80 

12.91 

11.63 

49 

15-95 

15.74 

15.33 

14.65 

13.62 

12.15 

50 

17.07 

16.83 

16.35 

15.56 

14.38 

12.67 

5i 

18.31 

18.02 

17.46 

16.56 

15.19 

13.22 

52 

19.66 

19.33 

18.69 

17-63 

16.05 

13.76 

53 

21.15 

20.76 

20.01 

18.80 

16.96 

14.28 

54 

22.79 

22.32 

21.46 

20.04 

17.89 

14.78 

55 

24-57 

24.04 

23.02 

.21.35 

18.84 

15.24 

lOYr.End. 


Am.3* 


Of  Life  Insurance. 


163 


Table  No.  XLIV. 

COST  OF  INSURANCE  PER   81000  OF  A  TEN-YEAR  ENDOW- 
MENT POLICY  DURING   VARIOUS   YEARS,   AMERICAN 
EXPERIENCE,  THREE  PER  CENT. 


Age. 


1st 

Year. 


2d 

Year. 


3d 

Year. 


4th 

Year. 


5th 

Year. 


6th 

Year. 


7th 

Year. 


8th 

Year. 


9th 

Year. 


20 
21 
22 
23 
24 

25 
26 
27 
28 
29 

30 
31 
32 

33 
34 

35 
36 
37 
38 
39 

40 
4i 
42 
43 
44 

45 
46 
47 
48 

49 

50 
5i 
52 
53 
54 

55 
56 
57 
58 
59 

60 
61 
62 
63 
04 

65 


7-39 
7.45 
7-5i 
7-57 
7.65 

7.72 

7.80 
7.89 

7-99 
8.09 

8.20 

8-33 
8.46 
8.62 
8.79 

8.98 
9.17 
9.40 
9.64 
9-93 

10.23 
10.60 
11.00 

11.47 
12.02 

12.64 

13-34 
14.12 

14.99 
15.97 

i7-o5 
18.26 
19.60 
21.08 
22.73 

24.55 
26.58 
28.81 
31.27 
33-99 

37.02 


6.51 
6-55 
6.60 
6.64 
6.68 

6.74 
6.79 
6.85 
6.92 
6.99 

7.06 
7.14 
7-23 
7-32 
7.42 

7-54 
7.66 
7.80 
7-95 
8.13 

8.30 
8.51 
8.73 
8.99 
9.27 

9.60 

9.96 

10.39 

10.89 

n-45 

12.09 
12.80 

13-59 
14.48 
15-47 

io-57 
17.79 
19.14 
20.65 
22.32 

24.17 
26.22 
28.47 
3o.97 
33-75 

36.82 


5-84 
5.87 
5-9i 
5-95 
6.00 

6.05 
6.10 
6.16 
6.22 
6.29 

6.36 
6.44 
6.52 
6.61 
6.72 

6.82 

6.95 
7.09 
7.24 
7.40 

7.58 
7.78 
8.01 
8.26 
8.56 

8.89 

9.27 

9.71 

10.22 

10.78 

11 .42 
12.13 
12.93 
13.81 
14.80 

15.90 
17. 11 
18.47 
19.97 
21 .64 

23.49 

25-53 
27.79 

30.31 
33.09 

36.17 


5-i3 
5.i6 
5.20 

5.24 
5.28 

5-33 
5.38 
5-43 
5-49 
5-55 

5.62 

5-69 

5-77 
5-86 

5.96 

6.07 
6.19 
6.32 
6.46 
6.62 

6.79 

7.00 
7.22 
7.48 
7.76 

8.10 
8.49 
8.93 
9-43 
9.99 

10.61 
11. 31 
12.09 
12.96 
13.93 

14-99 
16.19 

17-52 
18.99 
20.63 

22.43 
24.44 
26.68 
29.16 
31.90 

34.96 


4.38 
4.41 

4-45 
4.48 
4-52 

4.56 
4.61 
4.66 
4.71 
4-77 

4.83 
4.90 
4.98 
5-o6 

5-i5 

5-25 
5-37 
5-49 
5.62 

5-77 

5-94 
6.13 

6-35 
6.60 
6.88 

7.21 

7-59 
8.01 

8.49 
9.02 

9.62 
10.29 
11.03 
11.86 
12.77 

13.80 
14.94 
16.21 
17.61 
19.17 

20.90 
22.84 
24-99 
27-37 
30.03 


3-59 
3.62 

3.65 
3.68 

3.72 

3.76 
3-79 
3.84 
3-89 
3-94 

3-99 
4.06 
4.12 
4.20 
4.28 

4.38 
4-47 
4.58 
4.70 
4.85 

5.00 
5-i8 
5.38 
5-6i 
5-88 

6.19 
6-54 
6-93 
7-37 
7.86 

8.40 

9.02 

9.70 

10.45 

11.29 

12.23 
13.28 
14.44 

15.73 
17.17 

18.78 
20.56 
22.55 
24.78 
27.24 


32.97  29.99 


2.77 
2.79 
2.81 
2.84 
2.87 

2.90 
2-93 
2-97 
3.01 
3.05 

3.10 
3-i5 
3-2i 
3.27 
3-34 

3-42 

3.50 
3.60 
3.7o 
3.82 

3-96 
4. 11 
4.29 
4-5° 
4-74 

5.01 
5-30 
5.64 
6.02 

6-44 

6.91 

7-43 
8.01 
8.67 
9-39 

10.20 
11 .11 
12. 11 
13.22 
14.48 

15.87 
17-43 
19.17 
21. 11 
23.27 

25.67 


1.89 
1. 91 
i-93 
1-95 
1.97 

1.99 
2.02 

2.04 
2.07 
2. 11 

2.14 
2.18 
2.22 
2.27 
2.32 

2.38 
2.44 
2.52 
2.60 
2.69 

2.80 
2.92 
3.06 
3.22 
3-4i 

3.61 

3-84 
4.10 

4.38 
4.71 

5.07 
5-47 
5-91 
6.41 

6-97 

7-59 
8.28 

9-05 

9.92 

10.89 

11.97 
13-19 
14-54 
16.06 
17-74 


0.97 
0.98 

o.99 

1. 00 

1 .01 

1.03 
1 .04 
1.06 
1.07 
1 .09 

1. 11 

*.*3 

1. 16 
1. 18 
1. 21 

1.25 
1.28 
1.32 
i-37 
i-43 

1.49 
1.56 
1.64 
1.74 
1.84 

1 .96 
2.09 
2.24 
2.41 
2-59 

2.80 

3-03 
3.28 

3-57 
3-89 

4.25 
4.65 
5.10 
5.60 
6.17 

6.80 

7-5i 

8.31 

9.20 

10.18 


19.59  11.26 


Am.3* 


15Yr.End 


164 

Principles  and 

Practice 

Table  No.  XLV. 

COST   OF  INSURANCE  PER   Jiooo   OF 

A   FIFTEEN-YEAR 

ENDOWMENT  POLICY  DURING   VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.41 

7.04 

6.66 

6.25 

5.82 

5-37 

4.90 

4.40 

21 

7.46 

7.09 

6.70 

6.29 

5-86 

5-4i 

4-94 

4-43 

22 

7-51 

7.14 

6-75 

6-33 

5-9i 

5.46 

4.98 

4.48 

23 

7.56 

7.18 

6.79 

6-39 

5-96 

5.5o 

5-03 

4.52 

34 

7.61 

7-23 

6.85 

6.44 

6.01 

5.56 

5.08 

4-57 

2§ 

7.66 

7.29 

6.90 

6.49 

6.06 

5.61 

5.13 

4.62 

26 

7.72 

7-35 

6.96 

6.56 

6.12 

5.67 

5.19 

4.68 

27 

7.78 

7.41 

7-°3 

6.62 

6.19 

5-73 

5.25 

4-74 

28 

7.85 

7.48 

7.10 

6.69 

6.26 

5.8i 

5-32 

4.80 

29 

7.92 

7.56 

7.17 

6.76 

6-34 

5-88 

5-39 

4.88 

30 

8.00 

7-63 

7.25 

6.85 

6.42 

5-96 

5.48 

4.96 

31 

8.08 

7.72 

7-34 

6-94 

6.50 

6.05 

5-57 

5.06 

32 

8.17 

7.82 

7-44 

7-°3 

6.61 

6.15 

5-67 

5-15 

33 

8.28 

7.92 

7-54 

7.14 

6.72 

6.27 

5-78 

5-27 

34 

8.38 

8.02 

7.66 

7.26 

6.84 

6-39 

5-9i 

5.38 

35 

8.49 

8.15 

7.78 

7-39 

6-97 

6.53 

6.04 

5.52 

36 

8.63 

8.28 

7-93 

7-54 

7-i3 

6.67 

6.19 

5.66 

37 

8.77 

8.44 

8.08 

7.70 

7.28 

6.84 

6-35 

5-83 

38 

8-93 

8.60 

8.25 

7.87 

7.46 

7.01 

6.54 

6.01 

39 

9.10 

8.79 

8.43 

8.06 

7-65 

7.22 

6.74 

6.23 

40 

9-3° 

8.98 

8.64 

8.27 

7.88 

7-45 

6.99 

6.47 

4i 

9-5° 

9.20 

8.86 

8.51 

8.12 

7.71 

7.25 

6.74 

42 

9-73 

9-43 

9.12 

8.78 

8.41 

8.01 

7-56 

7.07 

43 

9.98 

9-7i 

9.40 

9.09 

8-73 

8-35 

7.92 

7'i3 

44 

10.28 

10.01 

9-74 

9-43 

9. 11 

8-75 

8.34 

7-85 

45 

10.60 

10.37 

10. 11 

9.83 

9-54 

9.20 

8.80 

8.31 

46 

10.98 

10.76 

10.54 

10.30 

10.03 

9.71 

9.32 

8.83 

47 

n-39 

11 .22 

11.04 

10.84 

10.59 

10.28 

9.89 

9-41 

48 

11.87 

n-75 

11 .61 

n-43 

11 .21 

10.92 

io.55 

10.06 

49 

12.44 

12.36 

12.25 

12.10 

11 .90 

11.63 

11.27 

10.79 

5o 

13.08 

13.04 

12.97 

12.85 

12.68 

12.43 

12.08 

11.59 

51 

13.80 

13.80 

13.76 

13.69 

13-54 

13.32 

12.98 

12.48 

52 

14.61 

14.65 

14.66 

14.62 

14.51 

14.30 

13.97 

13.48 

53 

i5-5o 

15.60 

15-65 

15.66 

15-58 

15.39 

15.08 

14.58 

54 

16.51 

16.66 

16.76 

16.81 

16.76 

16.61 

16.31 

15.81 

55 

17-63 

17.83 

17.99 

18.08 

18.08 

17.96 

17.67 

I7'll 

56 

18.87 

19.14 

19-35 

19.49 

19.54 

J9.45 

19.19 

18.68 

57 

20.25 

20.57 

20.86 

21 .06 

21 .16 

21 .11 

20.86 

20.36 

58 

21.77 

22.18 

22.53 

22  .80 

22.94 

22.93 

22.71 

22.22 

59 

23.46 

23-95 

24.38 

24.71 

24-91 

24.95 

24.77 

24.29 

60 

1 

25-33 

25-91 

26.42 

26.82 

27.09 

27.20 

27.05 

26.58 

15Yr.End. 


Am.3* 


Of  Life  Insurance 


165 


Table  No.  XLV .—Concluded. 

COST   OF  INSURANCE   PER 

$1000   OF  A   FIFTEEN-YEAR 

ENDOWMENT   POLICY   DURING 

VARIOUS   YEARS, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Age. 

9th 

10th 

llth 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3.87 

3-32 

2-73 

2. II 

1-45 

0.75 

O.OO 

21 

3-9i 

3-35 

2.76 

2.13 

1.47 

O.76 

O.OO 

22 

3-95 

3.38 

2.79 

2  .16 

I.49 

O.77 

O.OO 

23 

3-99 

3-42 

2.82 

2.19 

i-5i 

O.78 

O.OO 

24 

4.03 

3-47 

2.86 

2  .22 

i-53 

O.79 

O.OO 

25 

4.09 

3-5i 

2.90 

2.25 

i-55 

O.81 

O.OO 

26 

4.14 

3-56 

2-95 

2.29 

i-59 

O.82 

O.OO 

27 

4.19 

3.62 

3.00 

2-33 

1 .62 

O.84 

O.OO 

28 

4.26 

3.68 

3.o5 

2.38 

1.65 

O.86 

O.OO 

29 

4-33 

3-75 

3-n 

2-43 

1.69 

O.88 

O.OO 

30 

4.41 

3.82 

3-i8 

2-49 

i-73 

O.91 

O.OO 

31 

4-5° 

3-9o 

3-25 

2-55 

1.78 

0-93 

O.OO 

32 

4.60 

3-99 

3-33 

2.6l 

1.83 

O.96 

O.OO 

33 

4.70 

4.09 

3-42 

2.69 

1.89 

I.  OO 

O.OO 

34 

4.82 

4.20 

3-52 

2.78 

1.96 

I.04 

O.OO 

35 

4.94 

4.32 

3-64 

2.88 

2.03 

I.08 

O.OO 

36 

5-°9 

4.46 

3-77 

2.99 

2.12 

1. 14 

O.OO 

37 

5-25 

4.62 

3-9i 

3.12 

2.23 

I.20 

O.OO 

38 

5-44 

4.80 

4.08 

3-27 

2-35 

I.26 

O.OO 

39 

5.65 

5.01 

4.28 

3-45 

2.48 

1.34 

O.OO 

40 

5-89 

5-25 

4-5i 

3-64 

2.63 

1.43 

O.OO 

4i 

6.18 

5-52 

4.76 

3.86 

2-79 

I.52 

O.OO 

42 

6.50 

5-83 

5-°4 

4.10 

2.98 

I.63 

O.OO 

43 

6.86 

6.18 

5-36 

4.38 

3-*9 

i-75 

O.OO 

44 

7.27 

6-57 

5-72 

4.69 

3-43 

1.89 

O.OO 

45 

7.72 

7.00 

6.12 

5-o3 

3-69 

2.03 

O.OO 

46 

8.23 

7-49 

6.56 

5-4i 

3-98 

2 .20 

O.OO 

47 

8.80 

8.03 

7.06 

5-84 

4.31 

2-39 

O.OO 

48 

9.44 

8.64 

7.61 

6.31 

4.67 

2.60 

O.OO 

49 

10.15 

9-3i 

8.23 

6.84 

5.08 

2.84 

O.OO 

50 

10.93 

10.06 

8.92 

7-44 

5-53 

3.10 

O.OO 

5i 

11. 81 

10.90 

9.69 

8.10 

6.04 

3-39 

O.OO 

52 

12.78 

11.83 

10.54 

8.83 

6.61 

3-72 

O.OO 

53 

13-87 

12.86 

11.49 

9.66 

7.24 

4.09 

O.OO 

54 

i5-°7 

14.01 

12.55 

10.58 

7.96 

4.51 

O.OO 

55 

16.41 

15.29 

13-73 

11 .61 

8-75 

4.98 

O.OO 

56 

17.89 

16.72 

IS-OS 

12.75 

9-65 

5.5o 

O.OO 

57 

19-54 

18.30 

16.52 

14.04 

10.65 

6.09 

O.OO 

58 

21.38 

20.07 

18.17 

15.48 

11.77 

6-75 

O.OO 

59 

23.42 

22.04 

19.99 

17.08 

13.02 

7-47 

O.OO 

60 

25.69 

24.23 

22.04 

18.86 

14.40 

8.27 

O.OO 

Am.3* 


20Yr.End 


1 66 

Principles  and 

Practice 

Table  No.  XLVI. 

COST   OF   INSURANCE   PER    fiooo   OF 

\   TWENTY-YEAR 

ENDOWMENT   POLICY    DURING    VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE,  THREE 

PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-54 

7-3° 

7.06 

6.80 

6-53 

6.24 

5-94 

5.62 

21 

7-59 

7-35 

7. II 

6.85 

6-57 

6.29 

5-99 

5.67 

22 

7-63 

7.40 

7.15 

6.89 

6.62 

6-34 

6.04 

5-72 

23 

7.68 

7-45 

7.20 

6-95 

6.68 

6.39 

6.10 

5-78 

34 

7-74 

7-5° 

7.26 

7.00 

6-73 

6.45 

6.16 

5.84 

35 

7-79 

7.56 

7-32 

7.06 

6.80 

6.52 

6.22 

5-9i 

26 

7.85 

7.62 

7.38 

7-i3 

6.87 

6.58 

6.29 

5.98 

27 

7.91 

7.69 

7-45 

7.20 

6-93 

6.66 

6.37 

6.06 

28 

7.98 

7.76 

7.52 

7.27 

7.01 

6.74 

6.45 

6.14 

29 

8.06 

7.84 

.  7.60 

7-35 

7.10 

6.83 

6-54 

6.24 

30 

8.14 

7.91 

7.68 

7-45 

7.19 

6.92 

6.64 

6.34 

31 

8.22 

8.00 

7.78 

7-55 

7.29 

7-°3 

6-75 

6.46 

32 

8.31 

8. 11 

7.88 

7.64 

7.40 

7.14 

6.87 

6.58 

33 

8.42 

8.21 

7-99 

7.76 

7-52 

7.28 

7.00 

6.72 

34 

8-53 

8.32 

8.  ii 

7.89 

7.66 

7.41 

7-i5 

6.87 

35 

8.64 

8.45 

8.24 

8.04 

7.81 

7-57 

7-3i 

7-°3 

36 

8.77 

8.58 

8.40 

8.19 

7-97 

7-74 

7-49 

7.21 

37 

8.91 

8.74 

8-55 

8.36 

8.15 

7.92 

7.68 

7-43 

38 

9.08 

8.91 

8-74 

8.54 

8.34 

8.13 

7.90 

7.65 

39 

9-25 

9.10 

8.93 

8-75 

8.56 

8.36 

8.15 

7.92 

40 

9-45 

9-3° 

9.14 

8.97 

8.81 

8.62 

8.43 

8.22 

4i 

9.66 

9-52 

9-38 

9.24 

9.08 

8.92 

8-75 

8-57 

42 

9.89 

9-77 

9-65 

9-52 

9.40 

9.26 

9. 11 

8.97 

43 

10.15 

10.05 

9-95 

9-85 

9-75 

9.64 

9-54 

9-43 

44 

10.45 

10.36 

10.30 

10.22 

10.15 

10.10 

10.03 

9.94 

45 

10.77 

io-73 

10.68 

10.65 

10.63 

10.61 

10.58 

10.52 

46 

11. 15 

11. 13 

11. 13 

11. 15 

11. 17 

11. 19 

11 .19 

11 .16 

47 

n-57 

11.60 

11.66 

11.72 

11.78 

11.84 

11.87 

11.88 

48 

12.06 

12.15 

12.25 

12.36 

12.46 

12-55 

12.63 

12.68 

49 

12.63 

12.77 

12.92 

13.07 

13.22 

I3-36 

13.48 

13-57 

5o 

13.28 

13-47 

13.67 

13.87 

14.07 

14-25 

14.42 

14.55 

51 

14.01 

14.25 

14-5° 

14.76 

15.01 

15-25 

J5-47 

15-63 

52 

14.82 

15.12 

15-43 

15-74 

16.06 

16.35 

16.61 

16.84 

53 

15-73 

16.09 

16.46 

16.84 

17.21 

I7-56 

17.89 

18.17 

54 

16.75 

17.17 

17.61 

18.06 

18.49 

18.91 

19.30 

19.65 

55 

17.87 

18.37 

18.88 

19-39 

19.91 

20.40 

20.87 

21 .27 

20Yr.End. 


Am.3* 


Of  Life  Insurance. 

167 

Table  No.  XLVL— Continued. 

COST   OF   INSURANCE   PER 

$1000   OF   A  TWENTY- YEAR 

ENDOWMENT   POLICY   DURING 

VARIOUS    YEARS, 

AMERICAN  EXPERIENCE,  THREE  PEP 

CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-29 

4.94 

4-57 

4.18 

3.76 

3-33 

2.86 

21 

5-34 

4.99 

4.62 

4.22 

3-8i 

3-37 

2.90 

22 

5-39 

5-°4 

4.67 

4.28 

3.86 

3-42 

2-95 

23 

5-45 

5.10 

4-73 

4-34 

3-91 

3-47 

2-99 

24 

5-5i 

5.16 

4-79 

4-39 

3-98 

3-53 

3-°5 

25 

5.58 

5.23 

4.85 

4.46 

4.04 

3.60 

3. 11 

26 

5-65 

5-3° 

4-93 

4-54 

4.12 

3.66 

3-i8 

27 

5-73 

5-38 

5.01 

4.62 

4.20 

3-75 

3-25 

28 

5.82 

5-47 

5-« 

4.71 

4.29 

3.83 

3-33 

29 

5-9* 

5-57 

5.20 

4.81 

4.38 

3-92 

3-42 

30 

6.02 

5.68 

5-32 

4.92 

4.49 

4.03 

3-52 

31 

6.14 

5.80 

5-43 

5-°4 

4.61 

4-i5 

3.63 

32 

6.27 

5-93 

5-57 

5-i7 

4-75 

4.28 

3-76 

33 

6.41 

6.08 

5-7i 

5-33 

4.90 

4-43 

3-91 

34 

6.56 

6.23 

5.88 

5-49 

5-°7 

4.60 

4.08 

35 

6.73 

6.42 

6.06 

5-69 

5-27 

4.80 

4.27 

36 

6-93 

6.61 

6.28 

5-9° 

5-49 

5-°3 

4-5° 

37 

7.14 

6.85 

6.52 

6.15 

5-75 

5-29 

4-75 

38 

7.40 

7. 11 

6.79 

6-45 

6.05 

5.58 

5-°3 

39 

7.68 

7.41 

7.12 

6.78 

6-39 

5-9i 

5-34 

40 

8.00 

7.76 

7.48 

7.16 

6.76 

6.28 

5-7° 

4i 

8.38 

8.16 

7.89 

7-57 

7.18 

6.69 

6.09 

42 

8.81 

8.60 

8-35 

8.04 

7-65 

7-i5 

6-53 

43 

9.29 

9.10 

8.87 

8-57 

8.17 

7.67 

7.02 

44 

9.83 

9.66 

9.44 

9.i5 

8.76 

8.24 

7.56 

45 

10.42 

10.29 

10.08 

9.80 

9.40 

8.87 

8.16 

46 

11 .10 

10.98 

10.80 

10.52 

10.12 

9-57 

8.83 

47 

11.85 

11.76 

u-59 

11.32 

10.92 

10.36 

9-58 

48 

12.68 

12 .62 

12.46 

12.21 

11. 81 

11.23 

10.42 

49 

13.60 

J3-56 

13-44 

13.20 

12.80 

12.20 

n-34 

5o 

14.62 

14.62 

14-52 

14.29 

13.89 

13.27 

12.36 

5i 

15-75 

15-79 

I5-72 

i5-5i 

15.10 

14-45 

I3-5I 

52 

17.00 

17.08 

17.04 

16.84 

16.44 

I5-78 

14.78 

53 

18.39 

18.51 

18.50 

18.32 

17-93 

I7-25 

16.19 

54 

19.92 

20.08 

20.11 

19.97 

19.58 

18.88 

17-77 

55 

21 .60 

21 .82 

21 .90 

21.78 

21.40 

20.69 

i9-5i 

Am.3* 


20Yr.End 


1 68 

Principles  and  Practice 

Table  No.  XL VI.— Concluded 

COST   OF   INSURANCE   PER    81000   OF   A   TWENTY- YEAR 

ENDOWMENT   POLICY   DURING    VARIOUS    YEARS, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT. 

Age. 

16th 

17th 

18th 

19th 

20th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

2.36 

I.83 

I.27 

O.66 

O.OO 

21 

2.40 

1.86 

I.29 

O.67 

O.OO 

22 

2.44 

1.90 

1.32 

O.69 

O.OO 

23 

2-49 

1.94 

1-35                    0.70 

O.OO 

24 

2-54 

1.98 

I.38                    0.72 

O.OO 

25 

2-59 

2.02 

1. 41 

O.74 

O.OO 

26 

2.65 

2.08 

1-45 

O.76 

O.OO 

27 

2.72 

2.13 

1.49 

O.78 

O.OO 

28 

2.79 

2.19 

1-54 

O.81 

O.OO 

29 

2.87 

2.26 

I.60 

O.85 

O.OO 

30 

2.96 

2-35 

1.66 

O.88 

O.OO 

31 

3-°7 

2.44 

1.73 

°-93 

O.OO 

32 

3-i9 

2-54 

1. 81 

0.97 

O.OO 

33 

3-33 

2.67 

1. 91 

1.03 

O.OO 

34 

3-49 

2.81 

2.02 

1 .09 

O.OO 

35 

3.67 

2.97 

2.14 

1. 16 

O.OO 

36 

3.88 

3-i4 

2.27 

1.24 

O.OO 

37 

4. 11 

3-34 

2.43 

*-33 

O.OO 

38 

4-36 

3-56 

2.60 

i-43 

O.OO 

39 

4-65 

3.81 

2.79 

i-53 

O.OO 

40 

4.98 

4.09 

3.00 

1.66 

O.OO 

4i 

5-34 

4.40 

3-23 

1.79 

O.OO 

42 

5-74 

4-74 

3-5° 

1.94 

O.OO 

43 

6.18 

5-13 

3-79 

2. 11 

O.OO 

44 

6.68 

556 

4.12 

2.30 

O.OO 

45 

7-23 

6.03 

4-49 

2.51 

O.OO 

46 

7-85 

6-57 

4.90 

2.75 

O.OO 

47 

8-54 

7.16 

5-35 

3.02 

O.OO 

48 

9.30 

7.82 

5.87 

3-3i 

O.OO 

49 

10.15 

8.56 

6.44 

3.65 

O.OO 

50 

11. 11 

9-39 

7.08 

4.02 

O.OO 

51 

12.16 

10.31 

7.80 

4-44 

O.OO 

52 

'13.34 

11-34 

8.60 

4.92 

O.OO 

53 

14.66 

12.49 

9-50 

5-44 

O.OO 

54 

16.12 

13-77 

10.50 

6.02 

O.OO 

55 

17-74 

15-19 

"•59 

6.66 

O.OO 

25Yr.End. 


Am.3* 


Of  Life  Insurance 

169 

Table  No.  XLVII. 

COST  OF  INSURANCE  PER  $1000  OF  A  TWENTY-FIVE-YEAR 

ENDOWMENT 

POLICY   DURING    VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE, 

THREE 

PER  CENT 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.61 

7.46 

7.29 

7.12 

6.94 

6.74 

6-55 

6.34 

21 

7.66 

7-51 

7-34 

7.17 

6.98 

6.80 

6.60 

6-39 

22 

7.71 

7-55 

7-39 

7.22 

7.04 

6.85 

6.65 

6.45 

23 

7.76 

7.60 

7-44 

7.27 

7.10 

6.91 

6.72 

6.51 

24 

7.81 

7.65 

7-5° 

7-33 

7.16 

6.98 

6.78 

6.58 

25 

7.86 

7.72 

7-56 

7-39 

7.22 

7.04 

6.85 

6.65 

26 

7-93 

7.78 

7.62 

7.46 

7.29 

7. 11 

6-93 

6.74 

27 

7-99 

7.84 

7.70 

7-54 

7-37 

7.19 

7.02 

6.82 

28 

8.06 

7.92 

7-77 

7.61 

7-45 

7.28 

7. 11 

6.91 

29 

8.14 

8.00 

7-85 

7.70 

7-54 

7.38 

7.20 

7.02 

30 

8.22 

8.08 

7-94 

7-79 

7.64 

7.47 

7-3i 

7-i3 

31 

8.30 

8.17 

8.04 

7.89 

7-74 

7-59 

7.42 

7.26 

32 

8-39 

8.27 

8.14 

8.00 

7.86 

7.71 

7.50 

7.40 

33 

8.50 

8.38 

8.24 

8.12 

7.98 

7.85 

7.70 

7-55 

34 

8.61 

8.48 

8.37 

8.25 

8.13 

8.00 

7.86 

7.71 

35 

8.72 

8.62 

8.51 

8.40 

8.28 

8.17 

8.03 

7.90 

36 

8.86 

8.75 

8.66 

8.56 

8.46 

8.34 

8.22 

8.10 

37 

9.00 

8.92 

8.82 

8.74 

8.64 

8-54 

8.43 

8-33 

38 

9.17 

9.08 

9.01 

8.92 

8.84 

8-75 

8.67 

8.58 

39 

9-34 

9.28 

9.20 

9.14 

9.06 

9.00 

8.93 

8.87 

40 

9-54 

9.48 

9.42 

9-37 

9-32 

9.27 

9.24 

9.20 

4i 

9-74 

9.71 

9.66 

9.64 

9.60 

9-59 

9-57 

9-57 

42 

9.98 

9-95 

9-94 

9.92 

9-93 

9.94 

9-97 

10.01 

43 

10.24 

10.24 

10.24 

10.27 

10.30 

IO-35 

10.42 

10.51 

44 

10.54 

10.5S 

10.60 

10.65 

10.72 

10.82 

10.94 

11.07 

45 

10.86 

10.92 

10.99 

11.08 

11 .22 

11.36 

n-53 

11.69 

46 

11.24 

"•33 

11.44 

11 .60 

11.78 

11.97 

12.17 

12.39 

47 

11.66 

11.80 

11.98 

12.18 

12.40 

12.64 

12.90 

13.16 

48 

12.15 

12.35 

12.58 

12.83 

13. 11 

13-39 

i3-7o 

14.02 

49 

12.73 

12.98 

13.26 

i3-56 

13.88 

14.24 

14.60 

14.97 

5o 

13.38 

13.68 

14.02 

14-37 

14.76 

15.16 

15-59 

16.02 

Am.3* 


25Yr.End. 


I70 


Principles  and  Practice 


Table  No. 

XL  VII  .—Continued. 

COST  OF  INSURANCE  PER  Jiooo  OF  A  TWENTY-FIVE-YEAR 

ENDOWMENT 

POLICY    DURING    VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE, 

THREE 

PER  CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6. II 

5-89 

5-64 

5.38 

5-ii 

4.83 

4.53 

4.20 

21 

6.17 

5-94 

5-7° 

5-44 

5-i8 

4.89 

4-59 

4.27 

22 

6.23 

6.00 

5-76 

5-52 

5-25 

4.96 

4.66 

4.34 

23 

6.30 

6.07 

5-84 

5-59 

5-32 

5 -o4 

4-74 

4.42 

24 

6.37 

6.15 

5.91 

5-66 

5-4© 

5.12 

4.83 

4.51 

25 

6.45 

6.23 

5-99 

5-75 

5-49 

5.21 

4.92 

4.60 

26 

6-53 

6.31 

6.08 

5.84 

5-59 

5-3i 

5-02. 

4.70 

27 

6.62 

6.41 

6.18 

5-95 

5-69 

5-43 

5-i3 

4.82 

28 

6.72 

6.51 

6.30 

6.06 

5-82 

5-55 

5.26 

4-94 

29 

6.83 

6.63 

6.41 

6.19 

5-94 

5-68 

5-39 

5-°9 

30 

6-95 

6-75 

6-55 

6.32 

6.09 

5-82 

5-55 

5-25 

31 

7.08 

6.90 

6.69 

6.48 

6.24 

6.00 

5-72 

5-43 

32 

7-23 

7.04 

6.85 

6.64 

6.42 

6.18 

5-92 

5-64 

33 

7-39 

7.21 

7.02 

6.83 

6.62 

6-39 

6.14 

5.87 

34 

7-56 

7-39 

7-23 

7.04 

6.85 

6.63 

6.40 

6.15 

35 

7-75 

7.61 

7-44 

7.28 

7.10 

6.91 

6.70 

6.46 

36 

7-97 

15 

7.70 

7-55 

7.40 

7-23 

7.04 

6.82 

37 

8.21 

7-99 

7.86 

7-74 

7.60 

7-42 

7.21 

38 

8.50 

8.40 

8.32 

8.23 

8.13 

8.01 

7.85 

7.65 

39 

8.81 

8.75 

8.70 

8.64 

8.57 

8.47 

8.32 

8.14 

40 

9.17 

9-15 

9.14 

9. 11 

9.06 

8.97 

8.86 

8.68 

41 

9-59 

9.61 

9.62 

9.62 

9.60 

9-55 

9-44 

9.29 

42 

10.07 

10.12 

10.17 

10.20 

10.21 

10.18 

10.10 

9.96. 

43 

10.60 

10.69 

10.77 

10.84 

10.88 

10.88 

10.83 

10.70 

44 

11 .20 

u-33 

n-45 

11-55 

11.63 

11.66 

11.62 

11.52 

45 

11.86 

12.04 

12.20 

12.34 

12.45 

12.51 

12.51 

12.43 

46 

12.61 

12.82 

13  -°3 

13.21 

I3-36 

13.46 

13-49 

13-43 

47 

13-43 

13.70 

13-95 

14.17 

14-37 

14-51 

14-57 

14-54 

48 

14-34 

14.66 

14.96 

15-24 

15.48 

15.66 

15.76 

15.75 

49 

15-35 

I5-72 

16.08 

16.41 

16.70 

16.93 

17.07 

17.09 

5o 

16.45 

16.89 

^7-3^ 

17.70 

18.05 

18.32 

18.51 

18.58 

25Yr.End. 


Am.3* 


Of  Life;  Insurance; 

17 

i 

Table  No. 

XL  VII.— Concluded. 

COST  OF  INSURANCE  PER  81000  OF  A  TWENTY-FIVE-YEAR 

ENDOWMENT 

POLICY    DURING    VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE, 

THREE  PER  CENT. 

17th 

18th 

19th 

20th 

21st 

22d 

23  d 

24th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-87 

3-5° 

3-n 

2.69 

2.24 

i-75 

1.22 

.64 

21 

3-93 

3-57 

3-i7 

2.75 

2.29 

1.80 

1.25 

.66 

22 

4.00 

3-63 

3-24 

2.81 

2.35 

1.84 

I.29 

.68 

23 

4.08 

3-7i 

3-3i 

2.88 

2.41 

1.90 

1-33 

.70 

24 

4.17 

3.80 

3-40 

2.96 

2.49 

1.96 

1.38 

•73 

25 

4.26 

3-»9 

3-49 

3-05 

2.56 

2.03 

1.44 

.76 

26 

4-36 

3-99 

3-59 

3-i4 

2.66 

2. 11 

I.50 

.80 

27 

4.48 

4. 11 

3-7o 

3.26 

2.76 

2.20 

i-57 

.84 

28 

4.61 

4.24 

3-83 

3.38 

2.88 

2.31 

1.65 

.89 

29 

4.75 

4.39 

3-98 

3.53 

3.02 

2-43 

i-75 

•95 

30 

4.92 

4-56 

4.15 

3.7o 

3-17 

2-57 

1.85 

1. 01 

31 

5-" 

•4-75 

4-35 

3-89 

3-35 

2.72 

1.97 

1.07 

32 

5-32 

4-97 

4-57 

4. 11 

3-55 

2.89 

2.10 

1. 15 

33 

5-57 

5-23 

4.83 

4-35 

3-77 

3.08 

2.25 

1-23 

34 

5.86 

5-52 

5-n 

4.62 

4.02 

3-29 

2.41 

1-33 

35 

6.18 

5.84 

5-42 

4.92 

4-3° 

3-53 

2-59 

1-43 

36 

6-54 

6.20 

5.78 

5.26 

4.61 

3.80 

2.79 

i-55 

37 

"  6.94 

6.60 

6.17 

5.63 

4-95 

4.09 

3.02 

1.68 

38 

7-39 

7-°5 

6.61 

6.05 

5-33 

4.42 

3-27 

1.82 

39 

7.88 

7-55 

7.10 

6.51 

5.76 

4.79 

3-55 

1.98 

40 

8.44 

8.10 

7-63 

7.03 

6.23 

5.i9 

3-86 

2.16 

4i 

9-o5 

8.70 

8.23 

7.60 

6-75 

5.65 

4.21 

2.36 

42 

9.72 

9-38 

8.90 

8.23 

7-34 

6.15 

4.60 

2.59 

43 

10.48 

10.13 

9.64 

8.94 

7.98 

6.71 

5.03 

2.84 

44 

11.31 

10.97 

10.45 

9.72 

8.70 

7-34 

5-52 

3-13 

45 

12.23 

11.89 

"•35 

10.58 

9.5o 

8.03 

6.06 

3-44 

46 

I3-25 

12.90 

12.35 

11-54 

10.39 

8.81 

6.66 

3.80 

47 

14.37 

14.02 

13.46 

12.61 

n.38 

9.67 

7-34 

4.19 

48 

15.60 

15.27 

14.69 

13-79 

12.48 

10.63 

8.09 

4-63 

49 

16.97 

16.64 

16.05 

15.10 

13.70 

11.70 

8.92 

5-« 

50 

18.48 

18.16 

17.55 

16.55 

15  -°5 

12.89 

9.84 

5.65 

Am.3% 


30Yr.End 


172 

Principles  and 

Practice 

Table  No.  XL VIII. 

COST    OF    INSURANCE    PER    $1000    OF    A    THIRTY-YEAR 

ENDOWMENT   ] 

POLICY   DURING    VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE, 

THREE  PER  CENT 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.66 

7-55 

7-44 

7-33 

7-20 

7.07 

6.94 

6.80 

21 

7.71 

7.60 

7-49 

7-37 

7-25 

7.12 

6.99 

6.85 

22 

7.76 

7-65 

7-54 

7.42 

7.31 

7.18 

7-05 

6.92 

23 

7^ 

7.70 

7-59 

7.48 

7-37 

7.24 

7.12 

6.98 

34 

7.86 

7-75 

7.65 

7-54 

7.42 

7.31 

7.18 

7-05 

25 

7.91 

7.82 

7.71 

7.60 

7-5o 

7-38 

7-25 

7-i3 

26 

7.98 

7.88 

7.78 

7.68 

7-57 

7-45 

7-33 

7.22 

27 

8.04 

7-94 

7.85 

7-75 

7.64 

7-53 

7.42 

7-3i 

28 

8. 11 

8.02 

7-93 

7.82 

7.72 
7.82 

7-63 

7.52 

7.40 

29 

8.19 

8.10 

8.00 

7.91 

7.72 

7.61 

7-5i 

30 

8.26 

8.18 

8.09 

8.01 

7.92 

7.82 

7-73 

7-63 

31 

8-35 

8.27 

8.19 

8. 11 

8.02 

7-94 

7.85 

7.76 

32 

8.44 

8-37 

8.30 

8.21 

8.14 

8.06 

7-99 
8.13 

7.90 
8.07 

33 

8-55 

8.48 

8.40 

8-34 

8.27 

8.21 

34 

8.66 

8-59 

8-53 

8.47 

8.42 

8-35 

8.30 

8.23 

35 

8.77 

8.72 

8.67 

8.62 

8-57 

8-53 

8.47 

8.42 

36 

8.91 

8.86 

8.82 

8.78 

8-75 

8.70 

8.67 

8.63 

37 

9-°5 

9.02 

8.99 

8.96 

8-93 

8.90 

8.88 

8.87 

38 

9.22 

9.19 

9.17 

9-i5 

9.14 

9.12 

9-i3 

9.12 

39 

9-39 

9-38 

9-37 

9-36 

9.36 

9-38 

9-39 

9-43 

40 

9-59 

9-58 

9-59 

9-59 

9.62 

9-65 

9.70 

9.76 

4i 

9-79 

9.81 

9.83 

9.86 

9.90 

9-97 

10.05 

10.15 

42 

10.03 

10.06 

10. 11 

10.15 

10.24 

10-33 

10.45 

10.61 

43 

10.29 

io-35 

10.40 

10.50 

10.60 

10.74 

10.92 

11. 12 

44 

10.59 

10.66 

10.76 

10.88 

11.03 

11 .22 

n.45 

11.69 

45 

10.91 

11.03 

11. 15 

11.32 

".53 

11.77 

12.04 

12.33 

30Yr.End. 


Am.3* 


Of  Life  Insurance 

173 

Table  No. 

XLVIII— Continued. 

COST    OF    INSURANCE    PER    $1000    OF 

A    THIRTY-YEAR 

ENDOWMENT 

POLICY   DURING    VARIOUS 

YEARS, 

AMERICAN  EXPERIENCE, 

THREE 

PER  CENT. 

Age 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.65 

6  49 

6-33 

6.16 

5.98 

5.80 

5.60 

5-38 

21 

6.71 

6.56 

6-39 

6.23 

6.06 

5-8; 

5.67 

5-47 

22 

6.77 

6.62 

6.46 

6.30 

6.13 

5-94 

5-76 

5-55 

23 

6.84 

6.69 

6-55 

6.38 

6.21 

6.04 

5.85 

5-66 

24 

6.91 

6.78 

6.63 

6.47 

6.31 

6.13 

5-96 

5.76 

25 

7.00 

6.86 

6.71 

6-57 

6.40 

6.24 

6.07 

5-88 

26 

7.09 

6-95 

6.81 

6.67 

6.52 

6.36 

6.19 

6.01 

27 

7.18 

7.06 

6.92 

6.79 

6.64 

6.49 

6.32 

6.15 

28 

7.29 

7.16 

7-05 

6.91 

6.78 

6.63 

6.47 

6.30 

29 

7.40 

7.29 

7.17 

7.06 

6.92 

6.78 

6.63 

6.48 

30 

7-53 

7-43 

7.32 

7.20 

7.08 

6.95 

6.82 

6.68 

31 

7.67 

7-58 

7-47 

7-37 

7.26 

7-i5 

7.02 

6.90 

32 

7.83 

7-74 

7-65 

7.55 

7.46 

7-36 

7.26 

7-i5 

33 

7-99 

7.91 

7.83 

7.76 

7.68 

7.61 

7-52 

7-44 

34 

8.17 

8. 11 

8.05 

7-99 

7-94 

7.88 

7.83 

7.78 

35 

8-37 

8-33 

8.29 

8.26 

8.22 

8.20 

8.18 

8.17 

36 

8.60 

8-57 

8.56 

8.55 

8-55 

8-57 

8.58 

8.59 

37 

8.85 

8.86 

8.87 

8.89 

8-93 

8.98 

9.03 

9.07 

38 

9.i5 

9.18 

9.22 

9.29 

9-37 

9-45 

9-53 

9.60 

39 

9-47 

9-54 

9.63 

9-74 

9.85 

9-97 

10.08 

10.19 

40 

9.85 

9-97 

10.10 

IO.24 

10.39 

10.54 

IO.70 

10.84 

4i 

10.29 

10.45 

10.62 

IO.80 

10.99 

11. 19 

11.38 

11.56 

42 

10.79 

10.98 

11.20 

II.42 

11.66 

11.89 

12.13 

12.35 

43 

11-34 

n.58 

11.84 

12. 11 

12.39 

12.68 

12.95 

13.22 

44 

11.96 

12.24 

"•55 

12.87 

13.20 

13.53 

13.86 

14.17 

45 

12.64 

12.98 

13-34 

13.71 

14.09 

14.47 

14.86 

15.22 

Am.3* 


30Yr.End 


J74 

Principles  and 

Practice 

Table  No.  XL VIII 

— Continued. 

COST    OF   INSURANCE    PER    Si 000    OF 

A    THIRTY-YEAR 

ENDOWMENT    POLICY   DURING    VARIOUS 

YEARS. 

AMERICAN  EXPERIENCE, 

THREE 

PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-17 

4-93 

4.69 

4.42 

4.14 

3.83 

3-50 

3.13 

21 

5.25 

5.02 

4.78 

4.52 

4.23 

3.92 

3-59 

3-23 

22 

5-35 

5.12 

4.88 

4.61 

4.33 

4.02 

3-69 

3-33 

23 

5-45 

5-23 

4.98 

4.72 

4-44 

4.I4 

3-8l 

3-45 

24 

5.56 

5-34 

5.IO 

4.84 

4-57 

4.27 

3-94 

3.53 

25 

5-68 

5-47 

5.23 

4.99 

4.71 

4.42 

4.09 

3-73 

26 

5.81 

5  -°o 

5-38 

5.14 

4.88 

4-59 

4.26 

3-9i 

27 

5-96 

5-77 

5-55 

5-32 

5.06 

4.78 

4-47 

4. 11 

28 

6.13 

5-94 

5-74 

5.51 

5.27 

5.00 

4.69 

4-33 

29 

6.31 

6.14 

5-95 

5-74 

5-52 

5.26 

4-95 

4.58 

30 

6-53 

6-37 

6.20 

6.01 

5.80 

5-54 

5-24 

4.86 

31 

6.77 

6.63 

6.48 

6.31 

6. 11 

5.86 

5-55 

5.18 

32 

7-05 

6-93 

6.81 

6.65 

6.46 

6.21 

5.9i 

5-53 

33 

7-37 

7.28 

7.17 

7-03 

6.84 

6.61 

6.31 

5-92 

34 

7-73 

7.66 

7-57 

7-45 

7.28 

7.05 

6-75 

6-35 

35 

8.14 

8.09 

8.02 

7.92 

7.76 

7-54 

7.24 

6.82 

36 

8.59 

8-57 

8.52 

8.43 

8.29 

8.08 

7-77 

7-35 

37 

9.10 

9.10 

9.08 

9.01 

8.88 

8^67 

8-37 

7-94 

38 

9.66 

9.69 

9.69 

9-65 

9-53 

9-33 

9-03 

8-59 

39 

10.28 

io.35 

10.37 

10.34 

10.25 

10.06 

9.76 

9-3° 

40 

10.97 

11.06 

11. 11 

11. 12 

11.04 

10.87 

10.56 

10.09 

4i 

11.72 

11.85 

11.94 

11.97 

11. 91 

n-75 

11.44 

10.96 

42 

12.55 

12.72 

12.84 

12.90 

12.87 

12.72 

12.42 

11.92 

43 

13.46 

13.68 

13.84 

13-93 

13.92 

13-79 

13.49 

12.98 

44 

14.47 

14.73 

14.93 

I5-05 

i5-o7 

14.97 

14.68 

14.15 

45 

15-57 

15.88 

16.12 

16.28 

16.35 

16.26 

15-97 

15.44 

30Yr.End. 


Am.3* 


Of  Life  Insurance. 


175 


Table  No. 

XLVIIL—  Concluded. 

COST    OF    INSURANCE 

PER    $1000    OF   A    THIRTY-YEAR 

ENDOWMENT   POLICY   DURING    VARIOUS    YEARS, 

AMERICAN  EXPERIENCE,  THREE  PER  CENT 

Age. 

25th 

26th 

S7th 

28th 

29th 

30th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

2.74 

2.30 

I.83 

1 .29 

69 

O.OO 

21 

2.83 

2-39 

I.90 

i-35 

.72 

O.OO 

22 

2-93 

2.48 

I.98 

1. 41 

.76 

O.OO 

23 

3-°4 

2-59 

2.07 

1.49 

.80 

O.OO 

24 

3.17 

2.71 

2.18 

i-57 

.85 

O.OO 

25 

3-32 

2.85 

2.30 

1.66 

.90 

O.OO 

26 

3-49 

3.01 

2.44 

1.77 

.96 

O.OO 

27 

3-69 

3-!9 

2.59 

1.88 

I.03 

O.OO 

28 

3-9o 

3-38 

2.77 

2.01 

I. II 

O.OO 

29 

4.14 

3.61 

2.96 

2.16 

1. 19 

O.OO 

30 

4.41 

3.85 

3-i7 

2.32 

1.28 

O.OO 

31 

4.71 

4.13 

3 -4o 

2.50 

i-39 

O.OO 

32 

5-°5 

4-43 

3-67 

2.70 

1.50 

O.00 

33 

5-42 

4-77 

3-96 

2-93 

1.63 

O.OO 

34 

5.82 

5-i5 

4.28 

3.18 

1.77 

O.OO 

35 

6.28 

5-57 

4.64 

3-45 

i-93 

O.OO 

36 

6.78 

6.03 

5-°4 

3-76 

2. 11 

O.OO 

37 

7-34 

6-55 

5-49 

4.10 

2.31 

O.OO 

38 

7.96 

7. 11 

5.98 

4.49 

2.53 

O.OO 

39 

8.65 

7-74 

6-53 

4.91 

2.78 

O.OO 

40 

9.40 

8.44 

7.14 

5-38 

3.06 

O.OO 

4i 

10.24 

9.22 

7.81 

5-9i 

3-37 

O.OO 

42 

11. 16 

10.08 

8.56 

6.50 

3.7i 

O.OO 

43 

12.19 

11.03 

9.40 

7-i5 

4.10 

O.OO 

44 

13  32 

12.08 

10.32 

7-87 

4-Si 

O.OO 

45 

14.56 

13.24 

11.34 

8  65 

4-97 

0.00 

The  American 
Experience  Table  of  Mortality 


NET  PREMIUMS  AND  NET  VALUES 


COMPUTED    THEREFROM 
ON    THE    BASIS    OE 


THREE  AND  ONE-HALF  PER  CENT  INTEREST. 


Am.3J* 


Comm. 


I7S 

Principles 

and  Practice 

Table  No.  XLIX 

COMMUTATION  COLUMNS,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Age. 

Dz 

*r* 

Cx 

Mx 

Rx 

20 

46556.2 

984399-5 

35i-o 

13267.5 

397287.23 

21 

44630.8 

937843-3 

338.8 

12916.5 

384019.73 

22 

42782.8 

893212.5 

326.8 

12577.7 

37"03-23 

23 

41009.2 

850429.7 

315-3 

12250.9 

358525.53 

24 

39307-1 

809420.5 

304.3  . 

"935-6 

346274.63 

25 

37673.6 

770113-4 

293.6 

"631.3 

334339-03 

26 

36106. 1 

732439-8 

283.6 

"337-7 

322707.73 

27 

34601.5 

696333-7 

274.0 

1 1054. 1 

3II37o.°3 

28 

33!57-4 

661732.2 

264.8 

10780. 1 

3°°3I5-93 

29 

sm*-3 

628574.8 

256.1 

I05i5-3 

289535.83 

30 

30440.8 

596803.5 

247.9 

10259.2 

279020.53 

3i 

29163.5 

566362.7 

239.8 

10011.3 

268761.33 

32 

27937-5 

537199-2 

232.25 

977"45 

258750-03 

33 

26760.5 

509261.7 

225.47 

Q539-2Q 

248978.58 

34 

25630.1 

482501 .2 

218.68 

93J3-73 

239439-38 

35 

24544-7 

456871. 1 

212.20 

9095-05 

230125.65 

36 

23502.5 

432326.4 

206.33 

8882.85 

221030.60 

37 

22501.4 

408823.9 

200.79 

8676.52 

212147.75 

38 

21539-7 

386322.5 

195.80 

8475-73 

203471.23 

39 

20615.5 

364782.8 

191 .07 

8279.93 

194995-5° 

40 

19727.4 

344167.3 

186.69 

8088.96 

186715.57 

4i 

18873.6 

324439-9 

182.47 

7902.27 

•    178626.61 

42 

18052.9 

305566.3 

178.82 

7719.80 

170724.34 

43 

17263.6 

287513.4 

175.41 

7540.98 

163004.54 

44 

16504.4 

270249.8 

172.68 

7365:57 

155463 -56 

45 

15773-6 

253745-4 

170.20 

7192.89 

148097.99 

46 

15070.0 

237971.8 

168.29 

7022.69 

140905.10 

47 

14392. 1 

222901 .8 

166.91 

6854.40 

133882.41 

48 

13738.5 

208509.7 

166.02 

6687.49 

127028.01 

49 

13107.9 

194771.2 

166.04 

6521.47 

120340.52 

50 

12498.6 

181663.3 

166.34 

6355-43 

1 13819.05 

5i 

1 1909. 6 

169164.7 

167.36 

6189.09 

107463.62 

52 

"339-5 

I57255-I 

168.64 

6021 .73 

101274.53 

53 

10787.4 

I459I5-6 

170.22 

5853-09 

95252.80 

54 

10252.4 

135128.2 

172.30 

5682.87 

89399.71 

55 

9733-4Q 

124875.8 

174.65 

55io.57 

83716.84 

56 

9229.60 . 

115142-4 

177-32 

5335-92 

78206.27 

57 

8740.17 

105912.81 

180.17 

5158.60 

72870.35 

58 

8264.44 

97172.64 

183.14 

4978.43 

67711.75 

59 

7801.83 

88908 . 20 

186.35 

4795-29 

62733.32 

Comm. 


Am.3i% 


Of  Life  Insurance. 

179 

Table  No.  XLIX—  Concluded. 

COMMUTATION  COLUMNS,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Age 

Dx 

Nx 

cx 

Mx 

Rx 

60 

735I-65 

81106.37 

189.61 

4608.94 

57938.03 

61 

6913.44 

73754-72 

192.90 

44I9.33 

53329-09 

62 

6486.75 

66841.28 

196.12 

4226.43 

48909 . 76 

63 

6071 .27 

6o354.53 

199. 11 

4030.31 

44683.33 

64 

5666.85 

54283.26 

201.89 

3831.20 

40653.02 

65 

5273-33 

48616.41 

204.46 

3629.31 

36821.82 

66 

4890.55 

43343-o8 

206.52 

3424.85 

33!92-5i 

67 

4518.65 

38452.53 

208.03 

3218.33 

29767.66 

68 

4157-82 

33933-88 

208.89 

3010.30 

26549-33 

69 

3808.32 

29776.06 

208.87 

2801.41 

23539.03 

70 

3470.67 

25967.74 

207.875 

2592.539 

20737.627 

7i 

3145-43 

22497.07 

205.643 

2384.664 

18145.088 

72 

2833.42 

I935I-64 

201.855 

2179.021 

15760.424 

73 

2535-75 

16518.22 

196.430 

1977.166 

13581.403 

74 

2253-57 

13982.47 

189.493 

1780.736 

11604.237 

75. 

1987.87 

11728.90 

181.258 

1591-243 

9823.501 

76 

1739-39 

9741.03 

171.940 

1409.985 

8232.258 

77 

1508.63 

8001 .64 

161.884 

1238.045 

6822.273 

78 

1295-73 

6493.01 

156.986 

1076. 161 

5584.228 

79 

1100.65 

5197.275 

140.092 

924.898 

4508.067 

80 

923-338 

4096.625 

128.881 

784.806 

3583.169 

81 

763.234 

3173-287 

116.959 

655-925 

2798.363 

82 

620.465 

2410.053 

104.4882 

538.9661 

2142.4386 

83 

494-995 

1789.588 

91.6152 

434-4779 

1603.4725 

84 

386.641 

I294-593 

78.9562 

342.8627 

1 168. 9946 

85 

294.610 

907.952 

67.0494 

263.9065 

826.1319 

86 

2I7-598 

613.342 

55-8567 

196.8571 

562.2254 

87 

154.383 

395-744 

45-1993 

j4 1. 0004 

365.3683 

88 

103.963 

241 .3608 

34.82425 

95.80108 

224.36790 

89 

65.6231 

137-3978 

25.09928 

60.97683 

128.56682 

90 

38.3047 

71.7747 

16.82248 

35-87755 

67.58999 

9i 

20.1869 

33.47oo 

10.38536 

19-05507 

31.71244 

92 

9. 1 1889 

13.28309 

5.588164 

8.669706 

".657379 

93 

3.22236 

4.164203 

2.285780 

3.081542 

3-987673 

94 

.827611 

.941843 

•685393 

.795762 

.906131 

95 

.114232 

.114232 

.110369 

.110369 

.110369 

Am.32% 


Logs 


179a 


Principles  and  Practice 


Table  No 

L. 

LOGARITHMS  OF 

COMMUTATION  COLUMNS, 

AMERICAN 

EXPERIENCE, 

THREE  AND    < 

3NE-HALF  PER   CENT. 

Age. 

*  Dx 

*NX 

X  Cx 

■k  Mx 

20 

4.6679776 

5- 993^14 

2.54539io 

4.1227891 

21 

4.6496347 

5.9721303 

2.5298495 

4.1111448 

22 

4.6312692 

5.9509548 

2.5143073 

4.0996012 

23 

4.6128813 

5.9296384 

2.4987641 

4.0881680 

24 

4.5944710 

5.9081742 

2  .4832202 

4.0768443 

25 

4.5760371 

5-8865547 

2.4676753 

4.0656283 

26 

4-55758o6 

5.8647720 

2.4527350 

4.0545250 

27 

4.539095o 

5.8428174 

2.4377946 

4.0435234 

28 

4.5205804 

5.8206823 

2.4228543 

4.0326228 

29 

4.5020350 

5.7983570 

2.4085184 

4.0218217 

30 

4.4834560 

5-77583I4 

2.3941817 

4.0111135 

3i 

4.4648397 

5.7530947 

2.3798441 

4 . 0004905 

32 

4.4461876 

5.7301354 

2.3661068 

3.9899590 

33 

4.4274942 

5.7069410 

2-3529647 

3-9795I2Q 

34 

4.4087503 

5.6834984 

2.3398i53 

3.9691236 

35 

4.3899577 

5.6597936 

2.3266585 

3.9588051 

36 

4.3711141 

5-6358118 

2.3146746 

3.9485524 

37 

4- 3522°95 

5-6115363 

2.3026706 

3.9383456 

38 

4.3332396 

5.5869500 

2.2918082 

3-9281771 

39 

4-3I4I939 

5-5620343 

2.2809078 

3.9180267 

40 

4.2950699 

5.5367696 

2.2711071 

3.9078927 

4i 

4.2758547 

5-5iII343 

2.2612463 

3-8Q775I9 

42 

4.2565470 

5.4851054 

2.2524347 

3.8876060 

43 

4.2371314 

5-4586581 

2.2440829 

3.8774278 

44 

4.2175997 

5.4317654 

2.2372403 

3.8672063 

45 

4.1979308 

5.4043982 

2.2307742 

3.8569034 

46 

4-1781133 

5-3765255 

2.2261995 

3.8465035 

47 

4.1581242 

5.3481136 

2.2223825 

3.8359694 

48 

4.1379393 

5-3191263 

2.2202309 

3.8252632 

49 

4.II7533I 

5.2895248 

2 .2200622 

3-8143455 

5o 

4.0968614 

5.2592672 

2.2212173 

3.8031449 

5i 

4.0758972 

5.2283097 

2-2235359 

3.7916268 

52 

4.0545939 

5 . 1966048 

2.2268620 

3-77972I3 

53 

4.0329168 

5.1641017 

2.2310459 

3-7673852 

54 

4.0108255 

5.1307460 

2.2363270 

3-7545677 

55 

3.9882646 

5.0964783 

2.2421596 

3-74ii965 

56 

3.9651829 

5.0612352 

2.2487706 

3.7272093 

57 

3.94I5I99 

5.0249485 

2.2556756 

3-7125319 

58 

3'9i72i34 

4.9875440 

2.2627822 

3.6970924 

59 

3.8921965 

4.9489418 

2.2703051 

3.6808149 

Logs. 


Am.3J* 


Of  Life  Insurance 

1796 

Table  No.  L. — Concluded. 

LOGARITHMS  OF 

COMMUTATION  COLUMNS, 

AMERICAN 

EXPERIENCE, 

THREE  AND 

ONE-HALF  PER  CENT. 

Age. 

I  Dx 

\Nm 

*  cx 

IMX 

60 

3.8663849 

4.9090550 

2.2778482 

3. 66360 1 1 

61 

3.8396942 

4.8677898 

2.2853527 

3.6453564 

62 

3.8120272 

4.8250447 

2.2925154 

3.6259737 

63 

3-7832795 

4 . 7807099 

2 .2990901 

3-6053385 

64 

3-7533417 

4-7346659 

2.3051093 

3.5833348 

65 

3.7220850 

4.6867829 

2.3106021 

3.5598241 

66 

3.6893577 

4.6369198 

2.3149669 

3.5346416 

67 

3.6550087 

4.5849249 

2.3181076 

3.5076306 

68 

3.6188657 

4.5306336 

2.3199452 

3.4786098 

69 

3-58o7335 

4.4738673 

2.3198506 

3.4473767 

70 

3.5404134 

4.4144342 

2.3178148 

3-4I37253 

7i 

3.4976800 

4.3521260 

2.3131062 

3.3774272 

72 

3.4523110 

4.2867178 

2.3050303 

3.3382614 

73 

3.404.1065 

4.2179633 

2.2932218 

3.2960431 

74 

3-3528710 

4.1455839     - 

2.2775875 

3.2505995 

75 

3.2983880 

4.0692573 

2.2582840 

3.2017365 

76 

3.2403970 

3.9886049 

2.2353781 

3.1492145 

77 

3.1785827 

3.9031790 

2.2092178 

3.0927364 

78 

3-II25i45 

3.8124461 

2.1797375 

3.0318772 

79 

3.0416492 

3.7I57757 

2 . 1464043 

2.9660939 

80 

2.9653607 

3.6124263 

2.1101857 

2.8947623 

81 

2.8826577 

3.5015093 

2.0680328 

2.8168542 

82 

2.7927173 

3.3820266 

2.0190668 

2.7315614 

83 

2 .  6946008 

3.2527531 

1. 9619678 

2.6379677 

84 

2.5873079 

3-1121333 

1.8973876 

2.5351202 

85 

2.4692475 

2.9580629 

1 .8263924 

2,4214501 

86 

2.3376549 

2.7877027 

1.7470748 

2.2941511 

87 

2.1885995 

2.5974143 

1. 6551308 

2.1492203 

88 

2.0168788 

2.3826667 

1.5418818 

1. 9813704 

89 

1. 8170568 

2.1379797 

1. 3996615 

1. 785 1 649 

90 

1. 5832521 

1. 8559714 

1.2258889 

1.5548228 

9i 

1.3050697 

1.5246557 

1 .0164229 

1 .2800106 

92 

0.9599420 

1 .1232991 

0.7472681 

0.9380044 

93 

0.5081740 

0.6195319 

0.3590351 

0.4887681 

94 

1 .9178262 

1 -9739785 

1-8359393 

1.9007832 

95 

1.0577878 

1.0577878 

1.0428477 

1 .0428471 

Am.3i» 


Ann 


1 80 


Principles  and  Practice 


Table  No.  LI. 

VALUE  OF  AN  ANNUITY  OF  ONE  DOLLAR  FIRST  PAYMENT 

IMMEDIATE  AND  NET  SINGLE  PREMIUMS  PER   $1000 

WHOLE  LIFE  INSURANCE,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 


Age. 


10 
II 
12 
13 
14 

15 
16 

17 
18 

19 

20 
21 
22 
>3 

24 

25 
26 

27 
28 
29 

30 
31 
32 

33 
34 

35 
36 
37 
38 
39 

40 

4i 
42 

43 
44 

45 
46 
47 
48 

49 

50 

51 
52 
53 
54 


Annuity 
Immediate. 


22.2245 
22.1331 
22.0384 
21.9403 
21.8385 

21.7329 
21  .6236 
21 .5102 
21  .3926 
21.2707 

21.1443 
2I.OI34 
2O.8779 

20-737S 
20.5922 

2O.4417 
2O.2858 
20.1244 

19-9573 
19.7843 

19.6054 
19.4202 
19.2286 
19.0304 
18.8256 

18.6138 
18.3949 
18.1688 

17-9354 
1 7 . 6946 

17.4461 
17.1901 
16.9262 
16.6543 
16.3744 

16.0867 

i5-79ii 
15.4878 
15.1770 
14.8591 

14.5346 
14.2041 
13.8679 
i3-5264 
13.1801 


Net  Single 
Premium. 


248.45 
25I-54 
254.74 
258.06 
261.51 

265.08 
268.77 
272.61 
276.59 
280.71 

284.97 
289.40 
293  -99 
298.73 
303-65 

3o8.73 
314.01 

3I9-47 
325-12 

330-97 

337.02 
343-28 
349-76 
356.46 
363.39 

370.55 
377-95 
385.60 

393-49 
401.63 

410.03 
418.69 
427.62 
436.81 
446 . 28 

456.00 
466.00 
476.26 
486.77 
497-52 

508.49 
5I9-67 
53i.o4 
542.58 
554.30 


Age. 


55 
50 
57 
58 
59 

60 
61 
62 
63 
64 

65 
66 
67 
68 
69 

70 
71 
72 
73 
74 

75 
76 

77 
78 
79 

80 
81 
82 
83 
84 

85 
86 
•87 
88 

89 

90 
91 
92 
93 
94 

95 


Annuity 
Immediate. 


12.8296 

12.4753 
12.1179 

"•7579 
11-3958 

11.0324 

10.6683 

10.3043 

9.9410 

9-5791 

9.2193 
8.8626 
8.5097 
8.1615 
7.8187 

7.4820 

7-1523 

.6.8298 

6.5141 

6.2046 

5.9002 
5.6002 

5-3°39 
5.0111 
4.7220 

4.4368 
4.1577 
3-8843 
3-6i54 
3-3483 

3.0819 
2.8187 
2.5634 
2.3216 
2.0937 

1.8738 
1.6580 

1.4567 
1.2923 
1. 1380 

1. 0000 


Net  Single 
Premium. 


566.15 
578.13 
590.22 
602 . 39 
614.63 

626.92 
639.24 

651.55 
663.83 
676.07 

688.24 
700.30 
712.23 
724.OI 
735-60 

746.98 

758.13 
769.04 
779.72 
790.18 

800.48 
810.62 
820 . 64 

830.54 
840.32 

849.97 
859.40 
868.65 
877-74 
886.77 

895.78 

904 . 68 
9I3-32 
921.49 
929.20 

936.64 
943-93 
95o-74 
956.30 
961.52 

966/18 


NetPrems. 


Am.3i* 


Of    Life  Insurance. 

I«I 

Table  No. 

LII. 

NET  ANNUAL  PREMIUMS  PER  $1000,  AMERICAN  EXPERI- 

ENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Age. 

Whole 

5  Payment 

10  Payment 
Life. 

15  Payment 

20  Payment 
Life. 

Endowment 

Life. 

Life. 

Life. 

IO  Years.    ! 

| 

20 

13.48 

61.9I 

34-23 

25-15 

20.72 

86.30 

21 

13-77 

62.88 

34  77 

25  55 

2I.o6 

86.33      ! 

22 

14.08 

63.89 

35-33 

25-97 

21.40 

86.36 

23 

14.41 

64.92 

35-91 

26.40 

21.76 

86.39 

24 

14-75 

66.0O 

36.51 

26.84 

22.14 

86.42 

25 

15-10 

67.11 

37-13 

27.31 

22.53 

86.45 

26 

15.48 

68.27 

37-78 

27.79 

22.93 

86.49 

27 

15.88 

69.46 

3845 

28.29 

23-35 

86.53 

28 

16.29 

70.70 

39.14 

28  81 

23.79 

86.58 

29 

16.73 

71.99 

39-86 

29-35 

24.24 

86.63 

30 

17.19 

73-31 

40.61 

29.91 

24.71 

86.68 

3* 

17.68 

74.69 

41.38 

30.49 

25.21 

86.73 

32 

18.19 

.    76.12 

42.19 

31.09 

25.72 

86.80 

33 

18.73 

77:59 

43.02 

31.72 

26.25 

86.86 

34 

19.30 

79.12 

43-88 

32.37 

26.81 

86.94 

35 

19.91 

80.70 

44.78 

33-05 

27.40 

87.02 

36 

20.55 

82.33 

45.7o 

33-75 

28.01 

87.11 

37 

21.22 

84.03 

46.67 

34-49 

28  64 

87.21 

38 

21.94 

85.78 

47.67 

35-26 

29.31 

87.32 

39 

22.70 

87.59 

48.70 

36.05 

30.01 

87.44 

40 

23.50 

89.46. 

49-78 

36.89 

30.75 

87.58 

4i 

24.36 

91-39 

50.89 

37-76 

31 52 

87.73 

42 

25.26 

93-39 

52.05 

38.67 

32.34 

87.91 

43 

26.23 

95-45 

53-26 

39.62 

33.20 

88.10 

44 

27.26 

97.58 

54-51 

40.62 

34.11 

88.33 

45 

28.35 

99-79 

55-82 

41.66 

35.07 

88.58 

46 

29-  5 1 

102.06 

57.18 

42.77 

36.08 

88.88 

S 

3o.75 

104.41 

58.59 

43.92 

37.16 

89.21 

32.07 

T06.84 

60.07 

45.14 

38.31 

89.58 

49 

33.48 

109.34 

61.60 

46.42 

39-53 

90.00 

50 

34-99 

in. 92 

63.20 

47-77 

40.82 

90.48 

5i 

36.59 

114  56 

64.87 

49-19 

42.20 

91.01 

52 

38.29 

117.29 

66.60 

*.    5069 

43.67 

91.60 

53 

40.11 

120  08 

68.41 

52.27 

45-23 

92.26 

54 

42.06 

122.95 

70.29 

53-94 

46.91 

93.00 

55 

44-13 

125.90 

72.26 

55-71 

48.70 

93.82 

56 

46.34 

128.93 

74.32 

57.60 

50.63 

94-73 

57 

48.71 

132.03 

76.47 

59- 6° 

52.69 

95.74    i 

58 

51-23 

135.22 

78.72 

61  73 

54-9° 

96.87 

59 

53-94 

138.49 

81.09 

64.00 

57.28 

98.12     | 

60 

56.83 

141  86 

83-59 

6643 

59-85 

99  51     ! 

61 

59-92 

145-32 

86.22 

69.04 

62.61 

I0I.06      ; 

62 

63.23 

148.88 

89.00 

71.83 

65.60 

102.78 

63 

66.78 

152.54 

91.94 

74  83 

68.82 

IO4.68 

64 

70.58 

156.33 

95-Q7 

78.05 

72.30 

IO6.80      1 

65 

74.65 

160.24 

98.39 

81.52 

76.07 

IO9.I4      | 

66 

79.02 

164.29 

101.92 

85.26 

80.15 

in. 73 

67 

83.70 

168.49 

105  69 

89.29 

84.57 

H4-58 

68 

88.71 

172.85 

109.70 

9365 

89-35 

117.70 

69 

94.08 

177.38 

113-98 

98.36 

94  52 

121. 13 

70 

99.84 

182.08 

11S.54 

103.45 

100. 1 1 

124.87 

Am.3i* 


NetPrems 


182 

Principles  and   Practice 

Table  No.  LIL — Concluded. 

NET  ANNUAL  PREMIUMS  PER  $1000,  AMERICAN 

EXPERI- 

ENCE.  THREE  AND  ONE  HALF  PER  CENT 

Endowment 

Endowment 

Endowment 

Endowment 

Endowment 

Age. 

15  Years. 

20  Years. 

25  Years. 

30  Years. 

35  Years. 

20 

54-44 

38.OO 

29.90 

24.18 

20.35 

21 

54-47 

38.94 

29.95 

24  25 

20.43 

22 

54-51 

38.99 

30.0I 

24.32 

20.53 

23 

54-55 

39-04 

30.07 

24.39 

20.63 

24 

54-59 

39.09 

30.I3 

24.48 

20.74 

u 

54-63 

39-M 

30.2I 

24-57 

20.86 

54.68 

39.20 

30  28 

24.68 

2I.0O 

21 

54-73 

39-27 

30.37 

2479 

21.15 

28 

54-79 

39-34 

30.47 

24.92 

21.32 

29 

54-85 

39-42 

30.57 

25.  u6 

21.51 

30 

54-92 

39-51 

30.69 

25.21 

21.71 

31 

54-99 

396i 

30.82 

25  39 

21-94 

32 

55-07 

39-72 

30.96 

25.58 

22.20 

33 

55-16 

39-83 

31.12 

25.80 

22.48 

34 

55.26 

39-97 

3I.30 

26.04 

22.8o 

SI 

55-37 

40.12^ 

3I.50 

26.31 

23-I5 

55-49 

40.28 

31.73 

26.60 

23-53 

11 

55-63 

40.47 

31.98 

26.94 

23.96 

55.78 

40.68 

32.26 

2731 

24-43 

39 

55-95 

40.91 

32.58 

27.72 

24-95 

40 

56.14 

41.18 

32.93 

28.18 

25-53 

41 

56.36 

41.47 

33-33 

28.69 

26.16 

42 

56.61 

41.81 

33-77 

29.26 

26.85 

43 

56.88 

42.18 

34.26 

29.89 

27.62 

44 

57-20 

42.61 

34.82 

30.59 

28.45 

9 

57-55 
57-95 

43.o8 
43.61 

35-43 
36.12 

31-36 
32.21 

29.37 
3o.37 

8 

58.41 

44.21 

36.89 

33.i6 

31-46 

58.92 

44.88 

37-74 

34- 19 

32.64 

49 

59-49 

45-63 

38.69 

35-33 

33-93 

So 

60.13 

46.46 

39-73 

36.57 

35-33 

Si 

60.84 

47-39 

40.89 

37-93 

52 

61.63 

48.41 

42.16 

39-42 

53 

62.52 

49-55 

43-56 

41.03 

54 

63.50 

50.81 

45-09 

42.79 

P 

64.59 

52.21 

46.77 

44.70 

65.81 

53-75 

48.61 

1? 

67.16 

55-45 

5063 

68.65 

57-32 

52.83 

59 

70.31 

59.38 

55  23 

60 

72.15 

61.65 

57.85 

61 

74.18 

64.13 

62 

76.43 

66.86 

63 

7890 

69.85 

64 

81.63 

73-13 

3 

84.63 

76.72 

87.93 

% 

91-55 

95-53 

69 

99.90 

70 

104.68 

S.P.End. 


Am.3J* 


Of  Life  Insurance. 

183 

Table  No.  LIII. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  AND  ONE-HALF 

PER  CENT, 

PAYABLE  AS  STATED. 

Age. 
20 

In  1 

In  2 

In  3 

In  4 

In  5 

In  6 

In  7 

In  8 

Year. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

966.18 

933-77 

902.69 

872.90 

844-35 

816.99 

790.76 

765-63 

21 

966.18 

933-77 

902. 70 

872.91 

844-37 

817.OI 

790.79 

765.67 

22 

966.18 

933-77 

902.70 

872.92 

844.38 

817.03 

790.82 

765-71 

23 

966.18 

933-77 

902.71 

872.93 

844.40 

817.06 

790.86 

765.76 

24 

966.18 

933-77 

902.71 

872.94 

844.42 

817.08 

790.89 

765.81 

u 

966.18 

933-77 

902.72 

872.95 

844.43 

8i7.II 

790.93 

765.86 

966.18 

933-78 

902.72 

872.97 

844.46 

817.14 

790.98 

765.91 

% 

966.18 

933.78 

902.73 

872.98 

844.48 

8I7.I7 

79I.02 

765.97 

966.18 

933.78 

902.74 

872.99 

844-50 

817.21 

791.07 

766.03 

29 

966.18 

933-78 

902.74 

873.01 

844.52 

817.24 

791.12 

766.IO 

30 

966.18 

933-79 

902.75 

873.02 

844.55 

817.28 

791.18 

766.18 

31 

966.18 

933-79 

902.76 

873.04 

844.58 

817-33 

791.24 

766.26 

32 

966.18 

933-79 

902.77 

873.06 

844.61 

817.37 

79L30 

766.35 

33 

966.18 

933-8o 

902.78 

873.08 

844.65 

8I7.43 

791-3* 

766.45 

34 

966.18 

933-8o 

902.79 

873.IO 

844.68 

817.48 

79L45 

766.55 

35 

966.18 

933.8o 

902.80 

873.13 

844  72 

817.54 

791-54 

766.67 

36 

966.18 

933-81 

902.82 

873.15 

844.77 

817.61 

791.64 

766.80 

11 

966.18 

933.8i 

902.83 

873.18 

844.82 

817.69 

791-74 

766.94 

966.18 

933-82 

902.85 

873.22 

844.87 

8I7.7Z 

791.86 

767.IO 

39 

966.18 

933-82 

902.87 

873.25 

844-93 

817.86 

79L99 

767.27 

40 

966.18 

933.83 

902.89 

873.29 

845.OO 

817.96 

792.13 

767.46 

41 

966.18 

933-84 

902.91 

873-34 

845.07 

818.07 

792.29 

767.67 

42 

966.18 

933-85 

902.93 

873.38 

845.I5 

818  20 

792.46 

767.91 

43 

966.18 

933.85 

902.96 

873.44 

845.25 

818.33 

792.66 

768.17 

44 

966.18 

933-86 

902.99 

873.50 

845.35 

818.49 

792.88 

768.48 

45 

966.18 

933-88 

903.02 

873.57 

845.47 

818.67 

793.14 

768.83 

46 

966.18 

933.89 

903.06 

873.65 

845.60 

818.88 

793-43 

769.22 

47 

966.18 

933-90 

903.IO 

873.74 

845-75 

8i9.II 

793.76 

769.67 

48 

966.18 

933.92 

903  16 

873.84 

845-93 

819.38 

794.14 

770.18 

49 

,966.18 

933-94 

903.21 

873.96 

846.13 

819.68 

794-57 

770.76 

50 

966.18 

933.96 

903.28 

874.09 

846.36 

820.02 

795.05 

771.40 

5i 

966  18 

933-99 

903.36 

874.25 

846.61 

820.40 

795-58 

772.12 

52 

966.18 

934-OI 

903.44 

874.41 

846.89 

820.82 

796  18 

772.91 

53 

966.18 

934-05 

9°3-53 

874.60 

847.20 

821.29 

796.84 

773-79 

54 

966.18 

934.o8 

903-64 

874.81 

847.55 

821.82 

797-57 

774-76 

55 

966.18 

934.12 

9°3-75 

875.04 

847  93 

822.39 

798.37 

775.84 

56 

966.18 

934.16 

903.88 

875.30 

848.36 

823.03 

799.26 

777.02 

57 

966.18 

934-21 

904.02 

875.58 

848.83 

823.73 

800. 24 

778.32 

58 

966  18 

934.26 

904.18 

875.89 

849-35 

824  51 

801.32 

779-74 

59 

966.18 

934-32 

9°4-35 

876.24 

849.92 

825.36 

802.50 

781.30 

60 

966.18 

934-38 

9°4  55 

876.62 

850.55 

826.30 

803.80 

783-01 

61 

966.18 

934-45 

904.76 

877.04 

851.25 

827.32 

805.22 

784.88 

62 

966.18 

Q34-53 

904.99 

877.50 

852.OI 

828.45 

806.77 

786.92 

63 

966.18 

934.62 

905-25 

878.OI 

852.84 

829.68 

808  47 

789.14 

64 

966.18 

934.72 

905.53 

878.57 

853.76 

83LO3 

810.32 

79L55 

a 

966.18 

934.82 

905.85 

879.18 

854.76 

832.50 

812.33 

794.16 

966.18 

934-94 

906.19 

879.86 

855-86 

834.II 

814.52 

796.98 

67 

966.18 

935-07 

906.57 

880.59 

857-05 

835.85 

816.87 

800.01 

68 

966.18 

935-21 

906.98 

881.40 

858.36 

837.73 

819.40 

803.23 

69 

966.18 

935-37 

907.44 

882.28 

859.76 

839-75 

822.10 

806.65 

70 

966.18 

935-54 

907.93 

883.22 

861.27 

841.90 

824.95 

810.25 

Am.  31* 


S.P.End 


184 

Principles  and   Practice 

Table  No.  LIU. — Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT 

INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  AND  ONE-HALF 

PER  CENT,  PAYABLE  AS  STATED 

, 

Age. 

In  9 

In  10 

In  11 

In  12 

In  13 

In  14 

In  IS 

In  16 

Years. 

Years 

Years. 

Years. 

Vears. 

Years. 

Years. 

Years. 
5  99- 00 

20 

74L54 

718.47 

696.36 

675.17 

654-88 

635-44 

616.83 

21 

741.60 

718.53 

696  44 

675.27 

654-99 

635.57 

616.97 

599.17 

22 

741.65 

718.60 

696.52 

675.37 

655.II 

635.71 

617.13 

599-34 

23 

741.71 

718.67 

696.60 

675.47 

655.23 

635.85 

617.30 

599-53 

24 

74L77 

718.75 

696. 70 

675.58 

655.36 

636.OO 

61747 

5Q9-74 

2 

741.84 

718.83 

696.80 

675.70 

655.50 

636  17 

617.66 

599.96 

741.91 

718.92 

696  91 

675.83 

655.66 

636.35 

617.87 

600. 20 

3 

74I.98 

719.OI 

697  02 

675.97 

655.82 

636.54 

618.IO 

600.46 

742.07 

719.12 

697.15 

676.12 

656.OO 

636.76 

618.34 

600. 74 

29 

742.16 

719.23 

697.29 

676.29 

656.20 

636.99 

618.61 

601.04 

30 

742.25 

719-35 

697.43 

676.47 

656.41 

637.23 

618.90 

601.38 

31 

742.36 

71948 

697  60 

676.66 

656.64 

63751 

619.22 

601.74 

32 

742.47 

719.63 

697.77 

676.88 

656.90 

637.81 

619.57 

602.14 

33 

742.60 

719.7^ 

697.97 

677.II 

657-18 

638.14 

619.95 

602.59 

34 

742.73 

719.96 

698.18 

677.37 

657.48 

638.49 

620  37 

603.07 

if 

742.88 

720.I4 

698.41 

67765 

657.82 

638.89 

620.83 

603.61 

743-05 

720.35 

698.67 

677.96 

658.20 

639.34 

621.35 

604.22 

a 

743  23 

720.59 

698.96 

678.31 

658. 6j 

639  83 

621.93 

604.89 

74344 

720  84 

699.27 

678.69 

659.07 

640.38 

622.57 

605.64 

39 

743.66 

721.12 

699.62 

679.12 

659.58 

640.98 

62329 

606.47 

40 

743.91 

721.44 

700.01 

679  60 

660.16 

641.67 

624.09 

607.41 

41 

744  18 

721.79 

700.45 

680.13 

660.80 

642.44 

625.OO 

608  46 

42 

744-49 

722.19 

700.94 

680.74 

661.53 

643. 30 

626.OI 

609.64 

43 

744-85 

722.63 

70I.50 

681.42 

662.36 

644.28 

627.15 

610.97 

44 

745.25 

723.14 

702.14 

682.20 

663.28 

64538 

628.44 

612.46 

45 

745.70 

723.72 

702.85 

683.07 

664.33 

646.61 

629.89 

614.12 

46 

746.22 

724-38 

703.67 

684.05 

665.51 

648.OO 

631.51 

615.99 

8 

746.80 

725.12 

704.58 

685.16 

666.83 

649  56 

633.3I 

618.07 

747-47 

72595 

705  61 

686.4I 

668.31 

651.29 

635.33 

620.38 

49 

748.21 

726.89 

706.76 

687.80 

669.96 

653.22 

637.56 

622.94 

50 

74904 

727-93 

708.04 

689.34 

671.79 

65536 

640.03 

625.76 

51 

749- 90 

729.09 

709  46 

691.04 

673.80 

657-7I 

642.74 

628.85 

52 

750.99 

73037 

7II.03 

692.92 

676.02 

660.29 

64571 

632.24 

53 

752.12 

731-78 

712.75 

694.99 

678.46 

663.13 

648.96 

635-93 

54 

753-37 

733-34 

7U.(>5 

697.26 

681.13 

666.22 

652.5*1 

639-95 

p 

754-74 

735.05 

7i6. 73 

699.74 

684.04 

669  60 

656.37 

644.31 

756.26 

736.93 

719.  )2 

702.46 

687.23 

673.27 

660.56 

649.03 

9 

757-91 

738.99 

72.. 51 

705  42 

690.69 

677.26 

665.09 

654.13 

759  73 

741.24 

724.23 

708.64 

694.44 

681.57 

669.98 

659.60 

59 

761.72 

743-70 

727.19 

712.15 

698.51 

686.23 

675.24 

665.47 

60 

763.89 

746.37 

730.41 

715.94 

702.91 

691.24 

680.88 

671.73 

61 

766.26 

74928 

733-89 

720.03 

707.63 

696.61 

686.88 

678.38 

62 

768.83 

75243 

737.66 

724.44 

712.69 

702.33 

693.26 

685.40 

63 

771.62 

755.84 

741.71 

729.16 

718.09 

708.40 

700.00 

692.78 

64 

774.64 

759-51 

746.06 

734-20 

723  82 

714.82 

707.08 

700.52 

Si 

777-90 

763  45 

750.70 

739-35 

729.87 

72L57 

7I4.5I 

781.40 

767.65 

755.63 

745- 20 

736.24 

728.62 

ol 

785.13 

772.11 

760.82 

751.13 

742.89 

789.09 

776.82 

766.28 

757.33 

69 

793.26 

781.75 

771.98 

70 

I 1 

797.62 

786.90 

S.P.End. 


Am.ff 


Of  Life  Insurance. 

185 

Table  No.  LIII. — Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  AND  ONE-HALF 

PER  CENT,  PAYABLE  AS  STATED. 

i    \r-~ 

In  17 

In  18 

In  19 

In  20 

In  21 

In  22 

In  23 

In  24 

i  Age. 

Y  ears. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

581.93 

565.58 

549-94 

53496 

520.63 

506.93 

493.81 

481.27 

I   2I 

582.12 

565.80 

550.18 

535.23 

520.93 

507.25 

494.17 

481.66 

1    22 

582.32 

566.02 

550.43 

535-51 

521.24 

507.60 

494-55 

482.08 

i    23 

582.53 

566.27 

550.70 

535-82 

521.58 

507-97 

494.96 

482.54 

|    24 

582.76 

566.53 

551.00 

536.14 

521.95 

508.38 

495-41 

483.03 

25 

583.02 

566.81 

551.31 

536.50 

522.34 

508  8l 

495.90 

483.56 

26 

583.29 

567.12 

551-66 

536.89 

522.77 

509  30 

496.43 

484.15 

27 

583.58 

567.45 

552.04 

537.31 

523.24 

509.82 

497.01 

484.79 

;  28 

583-90 

567.82 

552.45 

537-77 

523.76 

510.39 

497.64 

485.50 

1  29 

584.25 

568.21 

552.90 

538.27 

524.32 

5H.02 

498.34 

486.27 

30 

584.64 

568.65 

553-39 

538.82 

524.94 

511-71 

499.11 

487.I3 

1  31 

585.05 

569.12 

553-92 

539-43 

525.62 

512.47 

499.96 

488.08 

32 

585.52 

569.65 

554-52 

540.10 

526.38 

513.32 

500.91 

489.I3 

33 

586.02 

570.23 

555-18 

540.85 

527.22 

5I4.26 

501.96 

490  30 

I  34 

586.58 

570.87 

555-91 

541.68 

528.15 

5I5.3I 

503.13 

491.60 

!  35 

587.21 

571.58 

556.72 

542.60 

529.18 

516.47 

504.43 

493.04 

i  36 

587.90 

572.38 

557.63 

543  62 

530.34 

517.77 

505.88 

494.65 

37 

'588.67 

573-27 

558.64 

544-77 

531.63 

5I9.2I 

507.49 

496.44 

!  38 

589-54 

574.26 

559-77 

546.05 

533-07 

520.82 

509  28 

498.43 

39 

590.5I 

575-37 

561.03 

547-47 

534-68 

522.62 

511.27 

500.64 

40 

591-59 

576.61 

562.44 

549.07 

536.46 

524.61 

5I3.49 

503.09 

4i 

592.80 

577-99 

564.01 

550.84 

538.45 

526.83 

515.95 

505.80 

42 

594.16 

579-55 

565.77 

552.82 

540.67 

529.30 

518.69 

508.81 

43 

595.68 

581.28 

567-74 

555-03 

543.14 

532.04 

521.71 

512.13 

44 

597-39 

583-23 

569.94 

557.50 

545.89 

535.08 

525.06 

5I5.80 

45 

599-30 

585.40 

572.38 

560.23 

548.93 

538.44 

528.75 

519.84 

46 

6  .1.44 

587.81 

575-IO 

563.26 

552.29 

542.15 

532.82 

524.27 

% 

603.80 

590.49 

578.10 

566.61 

555-99 

546.22 

537.27 

529.12 

606.43 

593-45 

581.42 

570.29 

560.06 

550.69 

542.14 

534-40 

49 

609.34 

596.72 

585.06 

574-34 

564-51 

555.56 

547-44 

540.13 

50 

612.53 

600.30 

589-05 

578.75 

569-36 

560.85 

553.18 

546.32 

51 

616.02 

604.21 

593-40 

583.55 

574.62 

566.57 

559-37 

552.97 

52 

619.84 

608.48 

598.13 

588.75 

580.30 

5 /$■ 73 

566.02 

560.09 

53 

623.99 

613. 11 

603.25 

594-37 

586.42 

579-35 

573  12 

567.67 

54 

628.50 

618.12 

608.78 

600.41 

592.98 

586.43 

580.69 

575.71 

P 

633.38 

623.54 

614.73 

606.90 

599-99 

593-95 

588.71 

584.20 

638.65 

629.36 

621.10 

613.82 

607.45 

601.92 

597-17 

593.14 

57 

644.31 

635.60 

627.90 

621.17 

6i5-34 

610.32 

606.07 

58 

650.38 

642.25 

635.13 

628.96 

623.66 

619.15 

59 

656.86 

649.32 

642.78 

637.16 

632.39 

60 

663.73 

656.79 

650  83 

645.77 

61 

671.00 

664.66 

659.27 

62 

678.64 

672.90 

63 

686.65 

1 

Am.3i* 


S.P.End 


186 

Principles   and   Practice 

Table  No.  LIII. — Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  THREE  AND  ONE-HALF 

PER  CENT,  PAYABLE  AS  STATED. 

Age. 

In  25 

In  26 

In  27 

In  28 

In  29 

In  SO 

In  31 

In  32 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

469.28 

457.83 

446  88 

436.43 

426.45 

416.93 

407-85 

399-20 

21 

469.71 

458.29 

447-39 

436.98 

427-05 

417.58 

408.55 

399.96 

22 

470.17 

458.80 

447.94 

437.58 

427.70 

418.28 

409-32 

400.79 

23 

470.67 

459-34 

448  53 

438.23 

428.4O 

41905 

4IO.16 

401.70 

24 

471.21 

459-93 

449.18 

438.93 

429.18 

419.90 

4II.08 

402.70 

2 

471.80 

460.58 

449.89 

439-71 

430.03 

420.82 

412.O9 

403.80 

472.45 

461.29 

450.67 

440.57 

430.97 

421.85 

413.20 

405.02 

3 

473-15 

462.07 

451-53 

441.51 

432.00 

422.98 

414-43 

406.36 

473-93 

462.93 

452.47 

442.55 

433.13 

424.22 

415-79 

407.83 

29 

474-79 

46388 

453-52 

443- 70 

434-39 

425.60 

417.29 

409.47 

30 

475.74 

464.93 

4c4-67 

444.96 

435-78 

427.12 

418.95 

4H.27 

31 

476.79 

466.09 

455-95 

446.37 

437-32 

428.80 

420.78 

413.26 

32 

477.96 

467.38 

457-38 

447.93 

439.03 

430.67 

422.81 

4I5.46 

33 

479.26 

468.81 

458.95 

449.66 

440.93 

432.73 

425  06 

4I7-90 

34 

480.69 

470.40 

460.70 

45I-58 

443.02 

435-OI 

427.53 

420.57 

3 

482.29 

472.16 

462.64 

453.70 

445-34 

437-53 

430.26 

423.52 

484.07 

474.13 

464.79 

456.06 

447.90 

440.32 

433.28 

42.6.78 

3 

486.05 

476.30 

467.18 

458.66 

450.73 

443-38 

436.59 

430.34 

488.24 

478.71 

469.82 

461.54 

453-86 

446.76 

440.24 

434.26 

39 

490.68 

481.38 

472.73 

464.71 

457-30 

450.48 

444.23 

438.54 

40 

493-37 

484-33 

475-95 

468.20 

461.08 

454-55 

448.60 

443-21 

4i 

496-35 

487.59 

47949 

472.04 

465.22 

459  00 

453-37 

448.29 

42 

499.65 

49I. 18 

483-39 

476.26 

469.76 

463.87 

458.56 

453.81 

43 

503.28 

495-14 

487.68 

480.88 

474.72 

469.17 

464. 20 

459-78 

44 

507.28 

499.48 

492-37 

485.93 

480.12 

474-93 

470.3I 

466.23 

9 

511.67 

504.24 

497.49 

491.42 

485.98 

481.15 

476.89 

473.16 

516.49 

509-43 

503-07 

497.38 

492-32 

487.86 

483.96 

480.57 

3 

521-73 

515.07 

509.11 

503.82 

499-15 

495.06 

49I-5I 

488.47 

527-43 

521.19 

5I5-64 

510.74 

506.46 

502.75 

499.56 

496.85 

49 

533-59 

527.78 

522.65 

518.16 

5I4-27 

510.93 

508.09 

50 

540.23 

534-85 

530.14 

526.06 

522.55 

519-57 

Si 

547-33 

542-39 

538.10 

534-43 

531.30 

52 

554-90 

550.40 

546.54 

543-26 

53 

562.94 

558.88 

555-43 

54 

571-44 

567.81 

55 

580.38 

. 

S.P.End. 


Am.  3  J* 


Of  IyiFB   Insurance. 

187 

Table.  No  LIII. — Concluded. 

SINGLE  PREMIUMS  PER  $1000 

ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  THREE 

AND  ONE-HALF 

PER  CENT,  PAYABLE  AS  STATED. 

Age. 

In  33 

In  34 

In  35 

In  36 

In  37 

In  38 

In  39 

In  40 

Years.. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

39O.96 

383  13 

375-68 

368.61 

36I.9I 

355-56 

349-55 

343-89 

21 
22 

391-79 
392.69 

384.02 
385.OO 

376.65 
377.70 

369-65 
370.79 

363.03 
364.26 

356.77 
358.09 

350.86 
352.28 

345-29 

346.82 

23 

393-68 

386.07 

378.86 

372.05 

365.61 

359-55 

353.85 

348.50 

24 

394-76 

387.24 

380.13 

373-42 

367.IO 

361.15 

355-57 

350.35 

u 

395-96 

388.54 

381.54 

374-94 

368.73 

362.91 

357-46 

352.37 

397.28 

389.97 

383.09 

376.61 

370.54 

364.85 

359-54 

354.6o 

11 

398.73 

391-55 

384.79 

378.45 

372.52 

366.98 

361.83 

357.05 

400.34 

393-29 

386.67 

380.48 

374.70 

369.32 

364.33 

359.72 

29 

402.II 

395.20 

388.74 

382.71 

377.10 

371-89 

367.08 

362.66 

30 

404.06 

397.32 

39I.O2 

385.17 

379-73 

374-71 

370.09 

365.86 

31 

406.22 

399-65 

393-54 

387.87 

382.63 

377.80 

373-39 

369.36 

32 

408.61 

402.22 

396.30 

390.83 

385.80 

381.19 

376.99 

373-18 

33 

4H.23 

405.05 

399-34 

394.09 

389.28 

384.89 

380.92 

377-34 

34 

414.12 

408.16 

402.67 

397.65 

393.07 

388.92 

385.18 

381.84 

3§ 

4I7-30 

4H-57 

406.32 

4OI.54 

397.21 

393-30 

389.81 

386.71 

36 

420.79 

415.31 

410.32 

405.79 

401.72 

398.07 

394.83 

391-97 

11 

424.62 

419.41 

414.68 

410.42 

406.61 

403.22 

400.23 

397-62 

428.81 

423.87 

419.42 

4I5.44 

411.90 

408.78 

406.05 

403.69 

39 

433.38 

428.73 

424-57 

420.87 

417.61 

414.76 

412.28 

410.16 

40 

438.35 

434-00 

430.14 

426.73 

423-75 

421.17 

418.94 

417.06 

4i 

443-75 

439-71 

436.15 

433-03 

430.33 

428.00 

426.03 

42 

449-59 

445.87 

442.61 

439-78 

437-35 

435-29 

43 

455-89 

452.48 

449-53 

446.99 

444.83 

44 

462.67 

459.58 

456.92 

454-67 

4§ 

469.93 

467.15 

464.79 

46 

477.66 

475-20 

47 

485.88 

\ 

Am.3l* 


O.L 


188 


Principles  and  Practice 


Table  No.  LIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE   LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH,  AMERICAN  EXPERIENCE,  THREE 

AND  ONE-HALF  PER  CENT. 


Age. 

1st 

2d 

3d 

Year. 

Year. 

Year. 

20 

6.19 

I2.6o 

19.24 

21 

6-45 

13.13 

20.04 

22 

6.72 

13.68 

20.89 

23 

7.0I 

14.27 

21.79 

24 

7.31 

14.88 

22.72 

11 

7-63 

15.52 

23.70 

7.96 

16.19 

24.72 

11 

8.30 

16.90 

25-79 

8.67 

17.63 

26.91 

29 

9.04 

18.40 

28.09 

30 

9-45 

19.22 

29-33 

31 

9.87 

20.08 

30.62 

32 

10.31 

20.96 

31-97 

33 

10.76 

21.89 

33-39 

34 

11.25 

22.88 

34.89 

9 

11.76 

23.91 

36.45 

12.29 

24.98 

38.07 

11 

12.85 

26.10 

39.78 

13.43 

27.28 

41.55 

39 

14.04 

28.51 

43-43 

40 

14.68 

29.80 

45-39 

4i 

I5-36 

31.17 

47-45 

42 

16.06 

32.60 

49-59 

43 

16.81 

34.08 

51.84 

44 

17-57 

35.63 

54.15 

45 

18.38 

37-23 

56.55 

46 

19.20 

38.89 

59.02 

8 

20.07 

40.60 

61.54 

20.95 

4--33 

64.10 

49 

21.84 

44.08 

66.71 

50 

22.74 

45.87 

69.37 

5* 

23.67 

47.71 

72.09 

52 

24.62 

49-59 

74.87 

53 

25.00 

51-52 

77.71 

54 

26.59 

53-48 

80.59 

9 

27.62 

55-47 

83.53 

28.65 

57.51 

86.53 

57 

29.71 

59-59 

89.58 

58 

30.80 

61.71 

92.67 

59 

31.89 

63.84 

95.78 

60 

33-00 

66.00 

98.93 

61 

34.12 

68.17 

102.10 

62 

35.26 

70.38 

105.30 

63 

36.41 

72.60 

108.48 

64 

.  37.56 

74.80 

in. 63 

00 

38.69 

76.96 

114.74 

39.82 

79.11 

117.79 

3 

40.93 

81.21 

120.77 

42.00 

83.25 

123.65 

69 

43.06 

85.23 

126.48 

70 

44.07 

87.18 

129.37 

4th 

Year. 


26.II 
27.21 
28.36 
29-57 
30.83 
32.16 
33-54 
34-99 
36  52 
38.11 
39-78 
41.52 
43.36 
45-27 
47-29 
49-39 
51.58 
53.87 
56.27 

58.79 

61.43 
64.19 
67.06 
70.04 
73-13 
76.32 
79-57 
82.89 
86.26 
89.69 

93.19 
96.77 
100.42 
104.13 
107.91 
in. 76 
115.66 
119.63 
123.63 
127.66 

I3I-73 

135.82 

I39-91 
143.98 
147.99 
151.92 
155.78 
159-52 
163.17 
166.85 
170.74 


5th 

6th 

7th 

Year. 

Year. 

Year. 

33-23 

40.61 

48.24 

34.63 

42.31 

50.26 

36.09 

44.09 

52.38 

37.62 

45.97 

54.59 

39-23 

47-92 

56.91 

4O.9I 

49-97 

59-35 

42.67 

52.12 

61.89 

44-51 

54.36 

6454 

46.45 

56.71 

67.32 

48.46 

59.16 

70.23 

50.58 

61-74 

73-27 

52.80 

64.44 

76.46 

55.11 

67.26 

79.78 

57-54 

70.19 

83-25 

6008 

73-27 

86.87 

62.73 

76.49 

90.67 

65.50 

79.84 

94.62 

68.40 

83.36 

98.76 

71-43 

87.03 

103.07 

74.6i 

90.87 

107.58 

77.92 

94.87 

112.25 

81.39 

9903 

117.11 

84.98 

103.34 

122.12 

88.70 

107.79 

127.28 

92.54 

112.36 

132.54 

96.48 

117-03 

137-93 

100.50 

121.79 

I43.4I 

104.59 

126.64 

149.00 

108.76 

131.57 

I54.67 

112.99 

136.58 

160.42 

117.31 

141.68 

166.27 

121. 71 

146.87 

172.22 

126.19 

152-15 

178.26 

130.74 

157-52 

184.38 

I35.38 

162.95 

190.58 

140.08 

168.46 

196.84 

I44-85 

174.03 

203.15 

149.67 

I79-65 

209.51 

154  53 

185.31 

215.91 

159-42 

190.99 

222.29 

164.34 

196.67 

228.66 

169.26 

202.33 

234.98 

174.16 

207.96 

241.22 

179.01 

213-49 

247.36 

183  77 

218.92 

253.34 

188  44 

224.20 

259-19 

192.98 

229.37 

264.99 

197.42 

234-51 

270.88 

201.84 

239.77 

277.06 

206.44 

245-37 

283.74 

211. 41 

251.51 

291.12 

Hth 

Year. 


56.14 
58.49 
6095 
63.52 
66.22 

69.04 

71.98 
75.06 
78.29 
81.66 
85.18 

88.86 
92.70 
96.70 
100.90 
105.27 
109.84 
114.60 
119-56 
124.71 

130.06 
135-60 
141.29 
147.12 
153-08 
159-16 
165-34 
171-63 
178.01 
184.48 
191.04 
197.71 

204.47 
211.30 
218.20 

225.15 
232.16 
239.20 
246.24 
253.26 
260.23 
267.11 

273-89 
280.53 
287.01 

293-43 
299.91 
306.65 
313-82 
32  p.  64 
330.25 


O.L. 


Am.&% 


Of  Lifk   Insurance. 

189 

Table  No.  LIV. — Continued. 

TERMINAL  NET   VALUES   PER  $1000  OF   WHOLE   LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH    AMERICAN  EXPERIENCE,  THREE 

AND  ONE-HALF  PER  CENT. 

Age. 
20 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

64.32* 

72.78 

81.54 

9O.60 

99.98 

IO9.66 

II9.68 

130.03 

21 

67.OO 

75.82 

84.94 

94-37 

104.12 

II4.I9 

124.61 

135-37 

22 

69.82 

79.OO 

88.49 

98.30 

I08.44 

H8.93 

129.76 

140.94 

|    23 

72.76 

82.32 

92.20 

IO2.41 

II2.97 

123.87 

I35-I3 

146.74 

24 

75.85 

85.79 

96.08 

IO6.71 

II7.69 

129.02 

I4O.72 

152.78 

li 

79.06 

89.42 

IOO.13 

III. 19 

I22.6I 

134-39 

I46.54 

159-07 

82.42 

93-21 

IO4.36 

II5.87 

127.74 

139.98 

152.60 

165.61 

27 

85.94 

97.17 

IO8.77 

120.74 

I33.09 

I45-8I 

158.92 

172.43 

28 

89.62 

IOI.3I 

II3.38 

125.83 

138.66 

151.88 

165.5O 

179-53 

29 

93-46 

IO5.63 

II8.18 

131. 13 

144.47 

158.21 

172.35 

186  90 

30 

97.46 

IIO.14 

123.20 

136.66 

150.52 

164.80 

179-47 

194.56 

31 

IOI.65 

II4.84 

128.43 

142.42 

156.84 

171.65 

186.88 

202.49 

32 

IO6.OI 

II9.74 

133.88 

148.43 

163.39 

178.77 

194-54 

210.71 

33 

IIO.57 

124.86 

I39.56 

154.68 

170.22 

186.15 

202.49 

219.19 

34 

"5.34 

130.20 

145.48 

161. 19 

I77.30 

193.81 

210.70 

227.93 

35 

120.31 

135.76 

151.65 

167.94 

184.64 

201.72 

219.15 

236.91 

36 

125.48 

141.55 

158.04 

174.93 

I92.22 

209.85 

227.82 

246.10 

37 

130.87 

147.56 

164.67 

182.17 

200.02 

218.22 

236.72 

255-52 

38 

136.47 

153.79 

171.52 

189.61 

208.04 

226.78 

245.82 

265.13 

39 

142.28 

160.25 

178.58 

197.26 

216.26 

235.56 

255.13 

274.94 

40 

148.29 

166.89 

185.83 

205.IO 

224.68 

244.52 

264.62 

284.92  I 

4i 

154.48 

173-71 

193.26 

2I3.I3 

233-27 

253.66 

274.27 

295.06 

42 

160.82 

180.68 

200.86 

221.32 

242.02 

262.96 

284.07 

305.34 

43 

167.31 

187.81 

208.61 

229.65 

250.93 

272.39 

294.OO 

315.74 

44 

173.93 

195.08 

216.49 

238.12 

259-95 

281.93 

304.05 

326.24 

45 

180.68 

202.47 

224.50 

246.71 

269.09 

291.60 

3I4.I9 

336.83 

46 

187-54 

209.98 

232.61 

255-41 

278.34 

301.35 

324.4I 

347-46 

47 

194.51 

217.58 

240.83 

264.21 

2S7.67 

311. 18 

334-68 

358.14 

48 

201.56 

225.28 

249.14 

273.09 

297.08 

321  06 

345- 00 

368.84 

49 

208.71 

233.07 

257-53 

282.04 

3^6.53 

330.98 

355-34 

379-55 

50 

215.96 

240.96 

266.OI 

29I.05 

316.05 

340.95 

365  70 

39024 

5i 

223.30 

248.93 

274.56 

300.I3 

325.6I 

350.94 

376.05 

400. 90 

52 

230.72 

256.97 

283.16 

309.26 

335-21 

360.93 

386.37 

411.49 

53 

238.21 

265.07 

291.83 

318.42 

344-79 

370.88 

396.63 

421.97 

54 

245.76 

273.22 

3OO.52 

327.58 

354-35 

380.78 

♦406.78 

432.32 

55 

253.36 

281.41 

309.21 

336.71 

363.86 

390.58 

416.82 

442.52 

56 

261. 0) 

289.59 

317.88 

345-79 

373-27 

400.25 

426.68 

452.54 

57 

'268.64 

297.76 

326.50 

354-78 

382.57 

409.78 

436.39 

462.44 

58 

276.26 

305.88 

335-03 

363.66 

39L70 

4I9.I3 

445.98 

472.31 

59 

283.82 

3I3.90 

343-44 

372.37 

400.68 

428.38 

455-54 

482.25 

60 

29I.30 

321.81 

351.70 

38093 

40905 

437.60 

465.19 

492.38 

61 

298.67 

329.57 

359-8i 

389.40 

418.41 

446.94 

475.06 

502.84 

62 

305.89 

337.19 

367.82 

397-86 

427.40 

456.51 

485.27 

513-69 

63 

312.97 

344.72 

375-86 

406.48 

436.65 

466.46 

495-92 

525.00 

64 

319.96 

352.28 

384-05 

415-37 

446.30 

476.87 

507-05 

536.83 

65 

327.OO 

360.OI 

392-55 

424.70 

456.46 

487.81 

518.75 

549.02 

66 

334.26 

368.II 

401.54 

434.58 

467.20 

499-39 

530.87 

561.72 

67 

34I.9O 

376.73 

411. 14 

445.10 

478.63 

511.42 

543-55 

575-15 

68 

350.13 

386.OI 

421.43 

456.38 

490.57 

524-07 

557-02 

589.74 

69 

359.09 

396.06 

432.55 

468.24 

503.21 

537.6o 

57I-76 

605.83 

70 

368.89 

407.OI 

444-31 

480.86 

516.79 

552.49 

588.10 

623.27 

Am.3i* 


O.L 


I90 


Principles  and  Practice 


Table  No.  LIV. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH,   AMERICAN   EXPERIENCE,  THREE 

AND  ONE-HALF  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 

U 

29 
30 
3i 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
46 

47 
48 

49 
50 
5i 
52 
53 
54 

56 
57 
58 
59 
60 
61 
62 
63 

£4 
65 
66 
67 
68 
69 
70 


17th 

Year. 


140.72 
146.48 

152.47 
158.72 
165.21 
171. 98 
I79-02 
186.34 
193-94 
201.84 

210.02 
218.50 
227.24 
236.24 
245.49 
254-97 
264.66 

274.57 
284.68 
294.96 

305.41 
316.01 
326.73 
337-57 
348.48 
359-46 
370.47 
381.51 
392-55 
403- 56 
4M.52 
425.42 
436.20 
446.86 

457-34 
467.66 

477  84 
487.98 
498.19 
508.57 

519-24 
530.28 
541-74 
553-69 
565-96 
578.68 
592.07 
606.53 
622.39 
639-49 
657.39 


18th 

Year. 


I5L77 
157.94 
164.37 
171.06 
178.03 
185.28 
192  8l 
200.63 
208.76 
217.17 
225.88 
234-87 
244.11 
253.61 
263.35 
273.31 
283.49 
293.87 
304.43 
3I5.I6 
326.04 
337-07 
348.20 

359-43 
370.71 
382.04 

393-39 
404.74 
416.05 

427-3" 

438.48 
449-55 
460.48 

471.24 

481.81 
492.26 
502.65 
513.10 
523.71 
534.58 
545.78 
557.38 
569.43 
581.76 
594.51 
607.85 
622.20 
637.84 
654-63 
672.15 

689.71 


19th 

Year. 


I63.I5 
169  76 
176.63 
183.79 
I9123 
198.97 
206.99 
215-33 
223.95 
232.88 

242.09 

25L57 
261.30 
271.28 
281.49 
291.92 
302.54 
313.37 
324.36 
335-51 
346.80 
358.21 
369.72 
381.29 
392.90 

404.54 
416.17 

427.77 
439-3Q 
45o.74 
462.07 

473-25 
484.26 
495-o8 
505.76 
516  39 
527.05 
537-86 
548.91 
560.27 

571-99 

584.12 

596.51 
609.27 
622.58 
636.82 
652.26 
668.77 
685.92 
703-07 
720.17 


20th 

Year. 


174.90 
181.94 
189.28 
I96.9O 
204.82 
213.04 

221.57 
230.40 

239-53 
248.95 

258.64 
268.59 
278.79 
289.22 
299.88 

310.75 
321.80 
33304 
344-43 
355-97 
367.63 
379-39 
391.22 
403.10 
415.00 
426.90 
438.76 
450.55 
462.25 
473.81 

485.23 
496.46 

507.51 
518.42 

529-25 
540.11 
55i.io 
562.31 

573.81 
585.64 

597.84 
610.28 
623.04 
636.32 
650.46 

665.71 
681.96 

698.77 
715-54 
732.21 

749-56 


21*t 

Year. 


187.OI 

194-51 
202.30 
210.40 
2l8.8o 
227.51 
236.52 
245.84 
255.46 
265.35 
275.50 
285.90 
296.55 
307.42 
318.50 
329.78 
34L23 
352.85 
364.62 
376.51 
388.50 
400.57 
412.68 
424.83 
436.97 
449-07 
461.IO 

473-04 
484.83 

496.47 

507.9I 

5I9-J7 
530.27 
541-30 
552.34 
563.49 
574-85 
586.47 
598.40 
610.67 

623.14 

635-91 
649.14 
663.18 
67827 
694.26 
710.76 
727.18 
743-46 
760.35 
778.40 


22d 

Year. 


199.49 
207.44 
215.70 
224.27 
233.16 
242.34 
251.84 
261.64 
271.71 
282.05 
292.65 

303.49 
3M.56 
325.84 
337.32 
348.98 
360.81 
372.78 
384.88 
397-09 

409.37 
421.70 

434-07 
446.43 
458.75 
471.OI 
483.16 
495-17 
507.02 
518.66 
530.IO 
54L39 
552.59 
563-80 
575-IO 
586.59 
598.32 
610.33 
622.66 
635-16 
647.92 
661. II 
675.06 
689.98 
705.75 
721.95 
738.05 
753.96 
770.41 
787.94 
805.31 


23d 

Year. 


212.35 
220.76 
229.48 

238.53 
247.88 

257.55 
267.51 
277.76 
288.28 
299.05 
310.07 
321.32 
332.78 
344-45 
356.30 
368.32 
380.49 

392.79 
405.18 
417.66 

430.19 

442.76 
455-32 
467.85 
480.30 
492.66 
504.87 
516.91 
528.74 
540.36 
551.82 
563.18 
574-54 
585.98 
597.58 
609.41 
621.49 
633-87 
646.39 
659^5 
672.30 
686.14 
700.91 
716.46 
732.40 
748.18 
763.76 
779-81 
796.85 
813.70 
827.28 


24th 

Year. 


225.59 
234-45 
243.65 
253.I5 
262.97 
273.IO 

283.51 
294.18 
305.12 
316.31 

327.73 
339-37 
351-21 
363.23 
375-43 
387.78 
400.25 
412.82 
425.48 
438.19 

450.93 
463.69 
476.40 
489.04 
501.57 
513.97 
526  19 
533-20 

549-99 
561.61 

573-12 
584.61 

596.17 
607.89 
619.80 
631.94 
644.36 
656.90 
669.65 
682.75 
696.50 
711. 12 
726.45 
742.14 

757.64 
772.90 

788.57 
805.16 
821.52 
834-72 
847.90 


O.L. 


Am.3i% 


Of  Life  Insurance. 

191 

Table  No.  LIV. — Continued. 

TERMINAL   NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH.   AMERICAN   EXPERIENCE,  THREE 

AND  ONE  HALF  PER  CENT. 

Age 

25  th 

26th 

27th 

28  th 

29th 

30th 

31st 

32d 

Year. 

Year. 

Year. 

Year. 

Year. 

\  ear. 

Year. 

Year. 

20 

239.19 

253.18 

267.52 

282  22 

297.25 

312.60 

328.23 

344.I3 

21 

248.52 

262.96 

277-75 

292.88 

308.32 

324-05 

340.04 

356.29 

22 

258.17 

273.06 

288.29 

303-83 

319.66 

335-76 

352.12 

368.70 

23 

268.I4 

283.47 

299.II 

3I5.05 

331-27 

347.73 

364.43 

381.33 

24 

278.4I 

294.17 

310.22 

326.55 

343-13 

359-95 

376.97 

394-17 

25 

288  97 

305.I4 

321-59 

338.29 

355.23 

372.38 

389.71 

407.20 

26 

299.80 

316.37 

333-21 

350.28 

367  56 

385.02 

402.64 

420.39 

27 

3IO.89 

327.86 

345-07 

362.48 

380.09 

397.85 

415-74 

433-73 

28 

322.23 

339-58 

357-15 

374.90 

392.81 

410.85" 

428.99 

447-20 

29 

333-81 

351-53 

369.43 

387.50 

405.70 

424.00 

442.37 

460.77 

30 

345.61 

363.68 

38I.9I 

400.27 

418.74 

437.28 

455.85 

474-42 

31 

357-61 

376.02 

394-55 

4I3.20 

43L9I 

450.66 

469.41 

488.11 

32 

369.80 

388.52 

407.35 

426.25 

445  19 

464.12 

483.OI 

501. &3 

33 

382.15 

401.18 

420.27 

439-41 

458.54 

477.62 

496.64 

515.55 

J  34 

394.66 

413-97 

433-31 

452.64 

471.94 

491.17 

510.28 

529.22 

1  35 

407.30 

426.  S6 

446.42 

465.93 

485.38 

504.71 

523-87 

542.83 

36 

420.04 

439.83 

459.58 

479-25 

498.81 

518.20 

537-39 

556.32 

37 

432.86 

452.85 

472.77 

492.58 

512.21 

531-63 

550.  So 

569.66 

38 

445  73 

465-91 

485.97 

505.86 

525.53 

544-95 

564.06 

582.83 

1  39 

45S.64 

478.98 

499-13 

519.08 

538.76 

558.13 

577-16 

595-79 

40 

47L56 

492.00 

512.23 

532.19 

55I.84 

57^.14 

590.04 

608.52 

4i 

484.44 

504.96 

525.22 

545-16 

564.75 

583-93 

602.69 

621.05 

42 

497.24 

517.82 

538.07 

557.96 

577-44 

596.50 

615.15 

633-43 

43 

509.95 

53^-53 

550.75 

570.54 

589.91 

608.86 

627.45 

645.72 

44 

522.51 

543-07 

563.20 

582.9O 

602.18 

621.08 

639.67 

657-99 

45 

534-89 

555-39 

575-44 

595-06 

614.30 

633.22 

651.87 

670.29 

46 

547-07 

567.49 

587.48 

607.08 

626  36 

645-35 

664.12 

682.66 

47 

559-02 

579-40 

599-39 

619.04 

638.41 

657-54 

67645 

695.11 

48 

570.79 

59LI9 

611.24 

631.OI 

650.53 

669.82 

688.87 

707.67 

49 

582.44 

602.92 

623.11 

643.05 

662.76 

682.21 

701.41 

720.19 

50 

594-o6 

614.70 

635.09 

655.23 

675-12 

694.75 

713.95 

732.76 

5i 

605.73 

626.59 

647.21 

667.56 

687.64 

707.29 

726.54 

745-47   | 

52 

6i7o4 

638.66 

659-50 

680.07 

700.19 

719.91 

739-30 

758.56 

53 

629.53 

650.90 

671.99 

692.63 

712.84 

732.72 

752.46 

772.16 

54 

64L73 

663.38 

684.55 

705.29 

725.70 

745.96 

766.17 

786.14 

55 

654.18 

675.93 

697.24 

7I8.20 

739.02 

759-78 

780.30 

800.20 

56 

666.73 

688.64 

710.20 

73I.6I 

752.96 

774.06 

794-52 

813.91    j 

57 

679.46 

701.65 

723.69 

745-68 

767.40 

788.46 

808.42 

827.22 

58 

692.52 

715.23 

737-89 

760.27 

781.99 

802.55 

821.93 

840.64 

59 

706.18 

729.56 

752.66 

775-06 

796.28 

816.27 

835.57 

854.5I 

60 

720.65 

744.51 

767.65 

789.57 

810.22 

830.16 

849.72 

867.97 

61 

735-79 

759-72 

782.38 

803.74 

824.36 

844.59 

863.46 

878.87 

62 

75L23 

774-70 

796.81 

8l8.l6 

839.10 

058.64 

874.59 

889.56 

63 

766.46 

789.38 

811.51 

833.22 

853-47 

870.01 

885.52 

899.41 

64 

781.43 

804.39 

826.91 

847-93 

865.09 

881.20 

895.61 

6=; 

796.75 

820.16 

842.00 

859-83 

876.56 

891.53 

66 

SJ2.92 

835.64 

854.19 

87I-59 

887.17 

67 

S28.83 

848.14 

866.27 

882.49 

68 

841.66 

860.56 

877-47 

69 

854-45 

872.10 

70 

866.35 

Am.3i* 


O.L 


192 

Principles  and   Practice 

Table  No.  LIV. — Continued. 

TERMINAL   NET   VALUES   PER  $1000  OF   WHOLE   LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH,  AMERICAN    EXPERIENCE,  THREE 

AND  ONE- HALF 

PER  CENT. 

Age. 
20 

33d 

34th 

35th 

36th 

37  th 

38th 

39th 

40th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

360.28 

376.66 

393.24 

409  99 

426.89 

443.92 

461.05 

478.23 

21 

372.77 

389.46 

406.32 

423.32 

440.46 

457.69 

474.98 

492.31 

22 

385.49 

402.46 

419.58 

436.82 

454.17 

47L57 

489.OI 

506.45 

23 

398.42 

4I5-65 

433-OI 

450.47 

468.OO 

485.56 

503.II 

520.63 

24 

4"-53 

429.OI 

446. 60 

464.25 

481.93 

499.60 

517.25  • 

534.82 

2§ 

424.81 

442.52 

460.30 

478.II 

495.92 

513.69 

53L40 

549-00 

26 

438.24 

456.15 

474.10 

492.04 

509.95 

527.79 

545-53 

563.11 

27 

45L79 

469.88 

487.97 

506.02 

524.OI 

541.88 

559-6i 

577.14 

28 

465.44 

4S368 

501.89 

520.02 

538.05 

555-92 

573-6o 

591.06 

29 

479-17 

497-53 

5I5-83 

534-OI 

552.04 

569.88 

587.48 

604.80 

30 

492.95 

511. 41 

529.76 

547-95 

565.95 

583.71 

601.20 

618.37 

31 

506.75 

525.27 

543.64 

561.81 

579  75 

597-39 

6i4.73 

631.71 

32 

520.54 

539-°9 

557-44 

575.56 

593.38 

610.89 

628.04 

644.81 

33 

534-29 

552.83 

571.14 

589  15 

606.84 

624.16 

64 1 . 1 1 

657.70 

34 

547-97 

566.47 

584.68 

602.56 

620.08 

637.21 

653.98 

670.42 

35 

50I-54 

579-95 

598.04 

615-75 

633.08 

650.04 

666.67 

683.02 

36 

574-95 

593-25 

611. 18 

628.71 

645.87 

662.70 

679.25 

695-55 

37 

588.19 

606.34 

624.09 

641.47 

658.50 

675.26 

691.77 

708.08 

38 

601.22 

619.20 

636.80 

654.06 

671.03 

687.75 

704.28 

720.60 

39 

614.02 

631.86 

649-35 

666.55 

683.51 

700.25 

716.80 

733.14 

40 

626.62 

644.36 

66 1. So 

679.00 

695.98 

712  77 

729.34 

745.69 

4i 

639.06 

656.77 

674.22 

691.46 

708.49 

725-3I 

741.90 

758.14 

42 

651.41 

669.14 

686.65 

703.94 

721.02 

737.88 

754.36 

770.52 

1  43 

663.74 

681.53 

699. 1 1 

716.47 

733.60 

750.35 

76677 

782.92 

44 

676.09 

69397 

711.62 

729.04 

746.09 

762.79 

779.21 

795.52 

!  45 

688.50 

706.47 

724.20 

74L55 

758.54 

775.26 

791.86 

808.42 

46 

700.97 

719.03 

736.71 

754-Q2 

77i.o5 

787.96 

S04.83 

821.50 

47 

7I3.53 

731-55 

749.21 

766.57 

783.81 

801.01 

818. or 

834.49 

48 

726  05 

744-07 

761.79 

779-38 

796.94 

814.28 

831.10 

847-03 

49 

738.59 

756.69 

774-66 

792-59 

810.31 

827.49 

843.76 

859-09 

50 

751.26 

769.63 

787.96 

806.07 

823.64 

840.27 

855-95 

871.08 

51 

764.27 

78303 

801.56 

819-53 

836.55 

852.60 

868.08 

883.27 

52 

777-77 

796.75 

815.16 

832.59 

849.02 

864.88 

880.44 

894.96 

53 

791.62 

810.49 

828.37 

845.21 

861.47 

877.43 

892.31 

904.46 

54 

805.51 

823.86 

841.14 

857.83 

874.20 

889.48 

901.95 

913.66 

55 

819.04 

836.80 

853  95 

870.77 

886.46 

899.27 

911.30 

922.06 

56 

832.17 

849.80 

867.10 

883.24 

896.41 

908.78 

919.84 

57 

845.37 

863.18 

879.79 

893  36 

906.09 

917.48 

5* 

85S.99 

876.11 

890  09 

903.21 

914.95 

!  59 

872.18 

886.60 

900.14 

912.25 

60 

882.87 

896.85 

909.36 

61 

893.33 

906  26 

62 

902.95 

O.L. 


Am.3i* 


Of  Lifk   Insurance. 

193 

Table  No.  LIV. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  B^ 

t   EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH, 

AMERICAN  EXPERIENCE,  THREE 

AND  ONE-HALF  PER  CENT. 

4l*t 

42<l 

43d 

44th 

45  th 

46th 

47th 

48th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

495-45 

512.67 

529.85 

546.97 

563.98 

580.85 

597.54 

614  OI 

21 

509-63 

526.92 

544-U 

561.27 

578.24 

'595-03 

6ll. 6l 

627.92 

22 

523-85 

54I-I8 

558.42 

575-50 

592.40 

609.09 

625.50 

641.63 

23 

538.08 

555.43 

572.63 

58965 

606.44 

622.97 

639.20 

655.IO 

24 

552.29 

569.61 

586.75 

603.66 

62O.3I 

636.66 

652.67 

668.33 

25 

566.44 

583.71 

600.75 

617.51 

633.98 

650.II 

665.89 

681.33 

26 

580.51 

597-68 

614.57 

631.17 

647.42 

663.32 

678.88 

694.14 

3 

594-45 

611.48 

628.21 

644.60 

660.62 

676.31 

69I.69 

706.81 

608.23 

625.IO 

641.62 

657.78 

673.60 

689.II 

704.36 

7I9-39 

29 

621.82 

638.49 

654.79 

670.74 

686.39 

701.77 

716.94 

731.91 

30 

635.19 

651.64 

667.74 

683.53 

699.05 

714-35 

729.47 

744,40 

31 

648.32 

664.57 

680.51 

696.18 

711.63 

726:89 

74L97 

756.85 

32 

661.23 

677.32 

693.15 

708.75 

724.17 

739-39 

754-43 

769.26 

33 

673.96 

689.96 

705.72 

721.29 

736.68 

751.87 

766.86 

781.52 

34 

686.58 

702.52 

718.26 

733-82 

749- 1 7 

764.32 

779  15 

79367 

35 

699.14 

715.06 

730.79 

746.32 

761.64 

776.64 

791.32 

805.77 

36 

711.67 

727.58 

743.30 

758.81 

773-98 

788.84 

803.46 

817.98 

37 

724.19 

74O.IO 

755.80 

771.16 

786.21 

801.01 

815.71 

830.38 

38 

736.72 

752.63 

768.19 

783.43 

798.42 

813.31 

828.17 

842.84 

39 

749.26 

765.03 

780.48 

795.68 

810.77 

825.83 

840.70 

855.I3 

40 

761.68 

777.36 

792.77 

808.08 

823.35 

838.43 

853-07 

866.93 

4i 

774.04 

789.68 

805.22 

820.72 

836.03 

850  88 

864.95 

878.20 

42 

786.40 

802.18 

817.92 

833.47 

848.55 

862.84 

876.30 

889.30 

43 

798.95 

814.95 

830.75 

846.08 

860.60 

874.28 

887.49 

900.45 

44 

811.79 

827.86 

843.45 

858.22 

872.13 

88557 

898.74 

9II.04 

45 

824.78 

840.65 

855.68 

869.85 

883.52 

896.93 

909.45 

919.67 

46 

837.67 

852.98 

867.41 

881.34 

895.00 

907.75 

918.16 

927.93 

47 

850.10 

864.81 

879.02 

892.95 

9°5-95 

916.56 

926.52 

935-43 

48 

862.05 

876.54 

890.76 

904.02 

914.85 

925.02 

934-H 

49 

873.90 

888.42 

9OI.97 

9*3-03 

923.41 

932.70 

50 

885.93 

899.78 

911.09 

921.70 

931.20 

5i 

897  45 

909.02 

919.88 

929.60 

52 

906.82 

917.94 

927.89 

53 

9I5-87 

926.07 

54 

= 

924.13 

Am.3i* 


5Pay.L 


194 

Principles  and   Practice 

Table  No.  LV. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  FIVE  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE.  THREE  AND 

ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4  th 

Year. 

Year. 

Year. 

Year. 

20 

56.72 

II5.84 

177-47 

24L73 

21 

57-68 

117. 8l 

180.49 

245.85 

22 

58.68 

II9.85 

183.62 

250.12 

23 

59.71 

I21.96 

186.87 

254- 54 

24 

60.78 

I24.16 

190.22 

259.12 

3 

61.90 

126.42 

193.70 

263.85 

63.04 

128.76 

I97.29 

268.75 

% 

64.23 

131. 19 

20I.0I 

273.81 

65.46 

133.69 

204.85 

279.06 

29 

66.72 

136.28 

208.82 

284.48 

30 

68.02 

138.96 

212.93 

290.07 

31 

6938 

I4L73 

217.17 

295.86 

32 

70.78 

144.58 

221.55 

301.84 

33 

72.22 

147-53 

226.07 

308.00 

34 

73.71 

150.57 

230.74 

314-37 

35 

75-25 

153-71 

235.56 

320.94 

36 

76.83 

156.95 

24O.5I 

327.70 

3Z 

78.46 

160.27 

245.62 

334-67 

38 

80.13 

163.69 

250.87 

34I.84 

39 

81.85 

167.21 

256.27 

349.22 

40 

83.61 

170.83 

261.83 

356.82 

4i 

85.44 

174-55 

267.54 

364.62 

42 

87.30 

178.37. 

273.40 

372.62 

43 

89.21 

182.27 

279.40 

380.81 

44 

91.16 

186.26 

285.52 

389- 18 

4§ 

93.16 

i9°-33 

291.78 

397-73 

46 

95-17 

194-47 

298.14 

406.43 

47 

97-23 

198  68 

304-59 

415-26 

48 

99-31 

202.92 

311. IO 

424.20 

49 

101.39 

207.18 

317.68 

433.24 

50 

103.48 

2H.47 

324.30 

442.38 

5i 

105.57 

215-77 

330.97 

451-58 

52 

107.66 

220.08 

337-65 

460.84 

53 

109.74 

224.37 

344-33 

470.I3 

54 

in. 80 

228.65 

351-00 

479-44 

55 
56 

113.85 

232.89 

357-64 

488.73 

115.86 

237.07 

364.22 

498.00 

58 

117.83 

241.20 

370.74 

507.21 

119.76 

245-24 

377-15 

516.33 

59 

121.63 

249.18 

38.3.43 

525.34 

60 

123.42 

252.99 

389-57 

534-21 

61 

125.14 

256.66 

395-53 

542.92 

62 

126.76 

260.18 

401.29 

551-42 

63 

128.29 

263.51 

406.81 

559-69 

64 

129.71 

266.62 

412.06 

567.68 

6A 

130.98 

269.49 

416.99 

575.36 

66 

j32.11 

272.10 

421.58 

582.69 

ii 

133.08 

274.40 

425-79 

589-64 

133.86 

276.37 

429.58 

596.19 

69 

134.45 

277.98 

432.92 

602.34 

70 

134-81 

279.20 

435.83 

608.11 

lOPay.L. 


Am.3^ 


Op  Life   ] 

[NSURANCE. 

195 

Table  No.  LVL 

TERMINAL  NET   VALUES   PER  fiooo  OF  WHOLE   LIFE 

POLICIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE  AND 

ONE-HALF  PER  CENT. 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

9th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

27.84 

56.83 

87.03 

118.49 

151.27 

185.42 

22I.OO 

258.09 

296.74 

21 

28.35 

57.89 

88.65 

120.69 

I54.08 

188.86 

225.II 

262.88 

302.25 

22 

28.89 

58.98 

90.32 

122.97 

156.99 

192.43 

229.36 

267.84 

307.95 

23 

29.44 

60.II 

92.05 

125-33 

160.OO 

196.12 

233.75 

272.97 

313.85 

24 

30.02 

61.28 

93.85 

127.77 

163. II 

r99  93 

238.29 

278.28 

319-95 

25 

30.61 

62.49 

95.70 

130.29 

166.33 

203.87 

243.OO 

283.77 

326.26 

26 

31.22 

63- 74 

97.62 

132.90 

169.65 

207.95 

247.85 

289.43 

332.77 

27 

31.86 

65.04 

99-59 

135-59 

173-09 

212.16 

252.87 

295.29 

339-50 

28 

32.52 

66.38 

101.64 

I3S.37 

176.64 

216.51 

258.04 

301.34 

346.45 

29 

33.19 

67-75 

103.75 

I41.25 

180.30 

220.99 

263.39 

307.58 

353.63 

30 

33-89 

69.18 

105.94 

144.21 

184.08 

225.63 

268.91 

314.02 

361.03 

3i 

34.62 

70.66 

108.19 

M7.27 

187.99 

230.41 

274.60 

320.65 

368.65 

32 

35-36 

72.17 

110.50 

150.43 

I92.OI 

235-33 

280.46 

327.49 

376.51 

33 

36.12 

73-73 

112.90 

153.68 

196.16 

240. 40  ( 

286.50 

334-53 

384.60 

34 

36.91 

75-35 

115.36 

I57.03 

200.42 

245.62 

292.70 

341.78 

392-93 

35 

37-73 

77.01 

117  90 

160.47 

204.81 

250.98 

299.09 

349-23 

40I.50 

36 

38.57 

78.71 

120.50 

164.OO 

209.30 

256.49 

305.65 

356.89 

410.30 

37 

39-43 

80.46 

123.17 

167.63 

213-93 

262.15 

3I2.40 

364-75 

419-34 

38 

40.31 

82.25 

125.91 

171-35 

21S.67 

267.96 

319  31 

372.82 

428.59 

39 

41.22 

84.09 

128.72 

175.18 

223.55 

273-92 

326.39 

331.07 

438.07 

40 

42.14 

85.98 

131.61 

179- 10 

228.53 

280.01 

333.63 

389-50 

447-74 

4i 

43.10 

87.93 

134-58 

183. n 

233.64 

286.24 

34I.02 

398.10 

457.60 

42 

44.07 

89.91 

137.60 

187.21 

238.84 

292.58 

348.54 

406.84 

467,62 

43 

45.08 

91.94 

140.69 

191-38 

244.13 

299.02 

356.17 

4I5-7I 

477-78 

44 

46.09 

94.01 

143-82 

i95-6i 

249.49 

305-54 

363.88 

424.67 

488.07 

45 

47.13 

96.10 

146.99 

199.90 

254.90 

312. 11 

371.66 

433-72 

49848 

46 

48.17 

98.21 

150.19 

204.19 

260.32 

318.70 

379-48 

442.84 

508.97 

47 

49-23 

100.31 

I53.40 

208.50 

265.76 

325-32 

387.34 

452.00 

519-54 

48 

50.29 

102.45 

156.58 

212.78 

271.18 

331-93 

395-19 

461.18 

530.I5 

49 

51.32 

104.54 

159.74 

217.04 

276.58 

338.51 

4^3-03 

470.36 

540.79 

50 

52.35 

106.61 

162.87 

221.27 

281.94 

345.o6 

410.83 

479-52 

551-43 

5i 

53-37 

108  66 

165.98 

225.45 

287.25 

35L54 

418.58 

488.64 

562.06 

52 

54.38 

110.69 

169.04 

229.58 

292.48 

357-95 

426.26 

497.69 

572.63 

53 

55-37 

112.68 

172.05 

233.63 

297.63 

364.27 

433-83 

506.64 

583-I4 

54 

56.34 

114.62 

174.98 

237-59 

302.67 

370.45 

441.26 

515.46 

593-54 

55 

57.28 

116.51 

177.83 

241-45 

307.57 

376.49 

448.53 

524.12 

603.81 

56 

58.19 

118.33 

180.60 

245-18 

312.32 

382  33 

455.60 

532.60 

613.92 

II 

59-07 

120.10 

183.26 

248.77 

316.89 

387.97 

462.45 

540.85 

623. S3 

59-92 

121.79 

185.79 

252.18 

321.24 

393-38 

469.05 

54884 

633  5i 

59 

60.71 

123-37 

188.18 

255.39 

325-37 

398.51 

475-33 

556.52 

642.92 

60 

61.46 

124.85 

190.40 

258.41 

329.23 

403.32 

481.28 

563.86 

652  01 

61 

62.15 

126.22 

192.46 

261.19 

332.79 

407.79 

486.85 

570.81 

660.77 

62 

62.78 

127.48 

194-34 

263.71 

336.03 

411.88 

491.99 

577-33 

669.14 

63 

63-37 

128.61 

196.00 

265.94. 

338.91 

415.53 

496.66 

583-37 

677.10 

64 

63.87 

129.57 

197.42 

267.84 

341-35 

418.70 

500.80 

588.90 

684.65 

6A 

64.28 

130.36 

198.56 

269.35 

343-34 

421.31 

504.35 

593.89 

691.80 

66 

64.61 

130.95 

199.40 

270.45 

344-79 

423-33 

507-31 

59».35 

698.55 

67 

64.83 

131-31 

199.88 

271.08 

345.68 

424.75 

509.69 

602.31 

704.93 

68 

64.91 

I3I-43 

199.97 

271.20 

346.01 

425.60 

5H-53 

605.77 

710.94 

69 

64.89 

131.27 

199.67 

270.87 

345-86 

425.98 

512.88 

608.77 

716.57  | 

70 

64.70 

130.84 

199.05 

270.19 

345.36  425.96 

5i3.8i 

61T.31 

721.78; 

Am.3l* 


15Pay.L 


196 

Principles 

and   Practice 

Table  No.  LVII 

1 

TERMINAL   NET   ' 

VALUES 

PER  $1000   OF    WHOLE 

LIFE 

POLICIES  BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN   EXPERIENCE, 

THREE 

AND 

ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

fith 

7  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

13-37 

37-48 

57-37 

78.07 

99.62 

I22.06 

145-41 

21 

18.74 

38.23 

58.52 

79.64 

IOI.63 

124.52 

148.34 

22 

I9.12 

39.02 

59-72 

81.28 

IO3.7I 

127.06 

I5L37 

23 

19-52 

39-83 

60.97 

82.97 

IO5.86 

129.70 

I54-50 

24 

19-93 

40.68 

62.26 

84.72 

IO8.O9 

132.42 

157.74 

!  26 

20  36 

41-54 

63.59 

86.52 

IIO.39 

135-23 

l6l  09 

20.80 

42.44 

64.96 

88.39 

II2.76 

138.14 

164  54 

27 

21.26 

43-37 

66.38 

90.31 

115.22 

I4LI4 

168.10 

28 

21.73 

44-33 

67.84 

92.31 

117.76 

144.23 

171.78 

29 

22.21 

45-32 

69.36 

94.36 

120.37 

147.43 

175.58 

i  30 

22.72 

46.35 

70.92 

96.48 

123.06 

150.72 

179.49 

3* 

23.24 

47.41 

72.53 

98.67 

125.85 

154.12 

183.53 

32 

2378 

48.49 

74.19 

100.92 

I2S.7I 

I57.6I 

187.67 

33 

24.32 

49.61 

75.90 

103.24 

I3I.66 

l6l.20 

I9I-93 

34 

24.89 

50.77 

77.67 

105.63 

134.69 

164.90 

196.30 

3£ 
1  36 

25-49 

51-97 

79-49 

108.08 

137.81 

168.69 

200.80 

26.09 

53-19 

81  34 

110.60 

140.99 

172.58 

205.41 

37 

26.71 

54-44 

83.26 

113.18 

144.28 

176.58 

210.15 

38 

27-34 

55-73 

85.21 

115.84 

I47.64 

180.68 

214.99 

39 

28.00 

57.06 

87.24 

118.57 

151. IO 

184.88 

219.96 

40 

28.67 

58.42 

89.31 

121.37 

154.64 

189.18 

225.02 

4i 

29.36 

59-83 

9L45 

124.24 

158.27 

193.57 

230.18 

42 

30.07 

61.27 

93.62 

127.17 

161.96 

I98.02 

235-40 

43 

30.81 

62.75 

95.85 

130.16 

165.7O 

202.53 

240.67 

44 

31-55 

64.25 

98.11 

133.18 

169.49 

207.07 

245-96 

45 

32.32 

65.77 

100.40 

136.23 

173.29 

211. 6l 

251.25 

46 

33-' 8 

67.31 

102.70 

139.27 

I77.07 

2I6.I3 

256.52 

9 

33-87 

68.86 

105.00 

142.31 

180.84 

220.63 

261.76 

34-04 

70.39 

107.27 

145.31 

184-57 

225.O9 

266.93 

49 

35-4'J 

71.90 

109.51 

148.28 

188.25 

229.48 

272.04 

50 

36. 16 

73-39 

in. 73 

151.22 

I9I.89 

233.82 

277.07 

5i 

36.91 

74.87 

H3-93 

154.11 

I95.48 

238.08 

282.00 

52 

37-65 

76.34 

116. 10 

156.97 

I99.OO 

242.25 

286.84 

53 

38.39 

77-79 

118.24 

159-76 

202.44 

246.33 

291.54 

54 

39-" 

79.21 

120.32 

162.49 

205.80 

250.29 

296.09 

II 

39-83 

80.61 

122  37 

165.17 

209  06 

254-13 

300.49 

40.53 

8i.97 

124.37 

167.76 

2.12. 21 

257-82 

304.70 

57 

41.22 

83-32 

126.32 

170.28 

215-25 

261.35 

30S.72 

58 

41.91 

84.64 

128.21 

172.69 

2l8.l6 

264.72 

312.52 

59 

42.57 

85.90 

130.02 

175-00 

220.92 

267.9O 

316.07 

60 

43.22 

87.12 

131.76 

177.20 

223.53 

270.86 

319-34 

61 

43-84 

88.30 

133-43 

179.29 

225.96 

273-57 

322.31 

62 

44-44 

89^43 

I35.0I 

181.22 

228.18 

276.OI 

324.91 

63 

45-03 

90.52 

136.48 

182.99 

230.16 

278.13 

327.11 

64 

45-59 

9I-5I 

137.81 

184-57 

231.86 

279.89 

328.86 

a 

46.09 

92.42 

139.00 

185.91 

233.26 

281.25 

330.14 

46.57 

93-24 

140.03 

187.02 

234-35 

282.23 

331.02  | 

3 

47.01 

93-96 

140.90 

187.91 

235-14 

282.92 

33I.65 

47  39 

94.58 

141. 61 

188.58 

235-77 

283.49 

332.23 

69 

47-75 

95>i3 

142.22 

189.21 

236.41 

284.I9 

332.99 

70 

48.06 

95-62 

142. S4 

189.97 

237.33 

285.25 

334.19 

15Pay.L. 


Am.3 


Of  Lifr 

Insurance. 

197 

Table  No. 

LVIL— Concluded. 

TERMINAL   NET 

VALUES 

PER  $1000   OF   WHOLE   LIFE 

POLICIES  BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE, 

THREE 

AND 

ONE-HALF  PER  CENT. 

Age. 

8th 

9th 

10th 

11th 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

169.73 

I95.05 

221.41 

248.85 

277.45 

307.22 

338.24 

21 

173.14 

198.96 

225.85 

253.85 

283.OO 

313-37 

345.00 

22 

176.67 

203.01 

230.44 

259.OI 

288.75 

319.72 

35L99 

23 

180.32 

207.20 

235.20 

264.33 

294.68 

326.28 

359-20 

24 

184.IO 

211.54 

240.IO 

269.84 

300.81 

333-o6 

366.65 

2I 

188.OO 

216.OO 

245.16 

275-52 

307.13 

340.05 

374.33 

26 

192.02 

220.62 

250.39 

281.38 

313.66 

347-25 

382.25 

27 

196.17 

225.38 

255-78 

287.43 

320.38 

354-68 

390.40 

28 

20O.46 

230.29 

261.35 

293.66 

327.31 

362.33 

398.81 

j  29 

204.87 

235-35 

267.07 

300.08 

334-44 

370.2I 

407.47 

30 

209.43 

240.56 

272.96 

306.68 

34L78 

378.32 

416.37 

31 

2i4.II 

245-93 

279.03 

3I3.47 

349-33 

386.65 

425.52 

32 

218.92 

251-43 

285.26 

320.45 

357.09 

395-21 

434-91 

!  33 

223.87 

257.IO 

291.66 

327.63 

365.05 

404.OO 

444.54 

i  34 

228.96 

262.92 

298.24 

334.98 

373.21 

412.99 

454-40 

3I 

234.18 

268.89 

304.98 

342.52 

381.57 

422.I9 

464.47 

36 

239-54 

275.01 

3H.89 

350.23 

39O.IO 

431.58 

474-74  1 

i  3l 

245.03 

281.28 

318.94 

358.IO 

398.81 

441.14 

485.18 

38 

250.64 

287.67 

326.14 

366.12 

407.66 

450.84 

495.78 

i  39 

256.38 

294.20 

333-47 

374.26 

416.63 

460.69 

506.53 

1  40 

262.22 

300.83 

340.90 

382.50 

425.7I 

470.64 

5I7.4I 

i  41 

268.16 

307.54 

348.41 

390.82 

434-88 

480.70 

528.39 

42 

274.I5 

314  31 

355-97 

399.20 

444.II 

490.82 

539-46 

!  43 

280.18 

321. J2 

363- 57 

407.63 

453-39 

5OO.99 

550.60 

1  44 

2S6.23 

327-94 

371.19 

416.06 

462.68 

511. 19 

561.77 

45 

292.27 

334-76 

378.79 

424.49 

47I-96 

521.39 

572.97 

i  46 

298.30 

34L54 

386.36 

432.87 

481.21 

53L57 

584- 16 

i  47 

304.27 

348.28 

393.87 

441.19 

490.41 

541.70 

595.32 

1  48 

310.18 

354-93 

401.30 

449.43 

499-51 

551-75 

606.41 

j  49 

316.01 

361.49 

408.62 

457-56 

508.50 

561.68 

617.41 

|50 

321.73 

367.94 

415.82 

465.54 

517.34 

571.48 

628.30 

Isi 

327.36 

374.26 

422.86 

473.36 

526.01 

58l. II 

639-05 

!  52 

332.84 

380.42 

429.72 

480.98 

534-47 

590.54 

649.61 

!  53 

338.18 

386.39 

436.37 

488.38 

542.71 

599-74 

659.96 

1  54 

343-32 

392.15 

442.79 

495.51 

550.66 

608.66 

670.07 

55 

348.28 

397.69 

448.95 

502.36 

558.30 

617.26 

679.89 

56 

353-OI 

402.96 

.    454.8o 

508.86 

565.58 

625.52 

689.39 

i  57 

357-51 

407.95 

460.32 

5I5.00 

572.47 

633.38 

698.54 

58 

361.73 

412.61 

465-46 

520.72 

578.93 

640.81 

707.32 

59 

365-65 

416.90 

470.18 

525.97 

584.89 

647.76 

715.72 

60 

369.22 

420.78 

474-44 

530.7I 

590.32 

654.24 

723-75 

61 

372.41 

424.21 

478.16 

534-88 

595-20 

660.25 

731-44 

62 

375.16 

427.12 

481.31 

538.47 

599-55 

665.80 

738.79 

63 

377.41 

429.46 

483.^8 

54I-50 

603  39 

670.89 

745-8i 

64 

379-14 

431.26 

485.91 

544-02 

606.73 

675-55 

752.49 

51 

380.38 

432.57 

487.48 

546.08 

609.63 

679.77 

758.80 

66 

381.24 

433-53 

488.69 

547-77 

612. 11 

683.53 

764.71 

$3 

381.89 

434.28 

489.69 

549-17 

614.20 

686.86 

770.11 

382.51 

435-02 

490.60 

550.37 

615.97 

689.62 

775.00 

69 

383.36 

435-93 

491.56 

551.48 

617.29 

691.82 

779-38 

7o 

384.62 

437.15 

492.70 

552.34 

618.19 

693.48 

783.32 

Am.&* 


20Pay.L 


198 

Principles 

and   Practice 

Table  No.  LVIII. 

TERMINAL   NET  VALUES 

PER   $1000    OF  WHOLE    LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN    EXPERIENCE, 

THREE  AND 

ONE-HALF  PER  CENT. 

Age. 
20 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year 

Year. 

Year. 

Year. 

Year. 

13-75 

2S.05 

42.91 

58.36 

74-44 

9I.16 

IO8.55 

21 

14.05 

28.65 

43-84 

59  64 

76.07 

93.15 

IIO.92 

22 

14.36 

29.29 

44.81 

60.96 

77-75 

95-21 

113.37 

23 

14.68 

29.95 

45.83 

62.33 

79-5Q 

97-34 

II5-90 

24 

15.02 

3064 

46.88 

63.75 

81.30 

99-55 

II8.51 

2 

15-37 

31.35 

47.96 

65.22 

83.17 

101.82 

121.22 

15-73 
16.I0 

32.08 

49.07 

66.73 

85.09 

104.18 

124.OI 

27 

32.84 

50.23 

68.30 

87.09 

106.61 

I26.9O 

28 

16.49 

33.62 

51.42 

69.92 

89.15 

109.12 

I29.87 

29 

16.88 

34-43 

52.66 

71  60 

91.27 

in. 71 

132.95 

30 

17.30 

35.27 

53-94 

73-32 

93.46 

114.39 

136.12 

31 

17-73 

36.14 

55-25 

75-11 

95-73 

117.15 

I39-38 

32 

18.17 

37.03 

56.61 

76.95 

98.06 

119.99 

142.74 

33 

18.62 

37-94 

58.02 

78.85 

100.47 

122.91 

146.20 

34 

19.09 

38.91 

59-47 

80.82 

102.95 

125-93 

149.76 

35 

19.58 

39-9° 

60.97 

82.83 

105.51 

129  03 

153-42 

36 

20.08 

40.91 

62.51 

84.91 

108.13 

132.22 

157-19 

1  37 

20.60 

41.96 

64.10 

87.05 

110.84 

I35.50 

l6l.07 

38 

21.13 

43-^3 

65-73 

89.25 

113.63 

138.88 

I65.O4 

39 

21.69 

44-15 

67.42 

91-53 

116.51 

142.36 

169.13 

1  40 

22.25 

45-30 

69.17 

93-88 

119.46 

145.93 

173-31 

4i 

22.85 

46.50 

70.98 

96.30 

122.50 

149.59 

177.58 

42 

23.46 

47-73 

72.83 

98.79 

125.61 

153-31 

l8l. 91 

43 

24.10 

49.00 

74-74 

101.33 

128.78 

157.10 

186.29  i 

1  44 

24.74 

50.30 

76. 63 

103.92 

I3I-99 

160.91 

190.69  | 

1  45 

25.41 

51-63 

78.67 

106.54 

135.23 

164.74 

195.10 

46 

26.09 

52.93 

80.68 

109.17 

138.47 

168.57 

199.49 

47 

26.78 

54-35 

82.69 

in. 81 

141.70 

172.39 

203.88 

48 

27.48 

55-72 

84  70 

114.44 

144.93 

176.20 

208.24  ! 

49 

28.17 

57.07 

86  70 

117.05 

148.14 

179-97 

212.56 

j  50 

28.87 

58.43 

88.70 

119.68 

I5L35 

I83-74 

216.84 

51 

29.56 

59-8o 

90>72 

122.30 

154  56 

187.48 

221.10 

52 

30.27 

61.19 

92.74 

124-93 

157-75 

191.21 

225.33 

53 

30  99 

62.58 

94-7S 

127.56 

160.94 

194.93 

229.52 

54 

3i-7i 

63.98 

96.82 

130.20 

164.14 

198.62 

23367 

55 

32  44 

65.40 

98.87 

132.85 

167.32 

202.29 

237.76 

56 

33-17 

66.82 

100.93 

135  49 

170.49 

205.92 

241.79 

57 

33-92 

68.27 

103.01 

138.14 

1 73- 64 

209  51 

245-78 

58 

34-68 

69.72 

105.10 

140.78 

176.77 

213.07 

249.69 

59 

35-44 

71.18 

107.18 

143-41 

179.88 

216.58 

253-49 

!  60 

36.22 

72.64 

109.26 

146.04 

182.97 

220.01 

257-I9 

i  61 

36.99 

74.12 

in-35 

148.67 

186.01 

223.38 

260.78 

62 

37.78 

75.62 

II347 

151.27 

189.01 

226.67 

264.24 

63 

38.59 

77-14 

115.58 

153  87 

191.98 

229.87 

267.57 

64 

39-41 

78.65 

117.68 

156.43 

194.87 

232.99 

270.77 

65 

40.22 

80.16 

119.76 

158.95 

197.71 

236.00 

273-86 

66 

41.04 

81.68 

121.83 

161.45 

200.50 

238.98 

276.99 

% 

41.88 

83.19 

123.90 

I63-93 

203.28 

242.04 

280.34 

42.69 

84.70 

125.96 

166.44 

206.21 

245.40 

284.16 

69 

43-54 

86.24 

128.09 

169.13 

209. 50 

249-33 

288.76 

70 

44.38 

87.82 

130.40 

172.21 

213.40 

254.09 

294.41 

20Pay.L. 


Am.3i* 


Of  Life   Insurance. 

199 

Table  No.  LVIII. — Continued. 

TERMINAL 

NET   VALUES    PER  $1000    OF    WHOLE  LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE  AND 

ONE-HALF  PER  CENT. 

Age. 

Sth 

Oth 

10th 

11th 

12  th 

13  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

126.64 

I45.46 

165.03 

185.39 

206.58 

228.62 

21 

129.40 

I48.61 

168.60 

189.40 

2II.03 

233-53 

22 

132.24 

151.88 

172.30 

193.54 

215.63 

238.61 

23 

135-19 

155-26 

176.12 

197  82 

220.38 

243.86 

24 

I38-24 

158.75 

180.07 

202.24 

225.29 

249.27 

25 

141-39 

162.35 

184.14 

206.80 

230.35 

254.85 

26 

144.63 

166.06 

188.34 

2II.50 

235-57 

260.59 

27 

147.98 

169.90 

I92.67 

216.35 

240.94 

266.51 

28 

151-44 

173.85 

I97.I4 

221.33 

246.47 

272.59 

29 

I55.0I 

177.93 

201.74 

226.47 

252.16 

278.85 

30 

158.69 

I82.I2 

206.47 

23L75 

258.OI 

285.29 

3i 

162.47 

186.44 

211.33 

237.I8 

264.02 

291.90 

32 

166.36 

I9O.88 

216.34 

242.76 

270.20 

298.68 

33 

170.36 

195.45 

221.48 

248.50 

276  53 

305.63 

34 

174.49 

200.I5 

226.77 

254.38 

283.03 

312.74 

35 

178.73 

204.98 

232.19 

260.41 

289.67 

320.00 

36 

183.08 

209.92 

237-75 

266.57 

296.44 

327.39 

37 

187.55 

215.OO 

243.42 

272.86 

303-35 

334.89 

38 

192.14 

220.19 

249.22 

279.27 

3io.34 

342.48 

39 

196.83 

225.49 

255-13 

285.76 

317.42 

350.14 

40 

201.62 

230.88 

261.IO 

292.31 

324-55 

357.85 

41 

206.49 

236.34 

267.13 

298.92 

33L72 

365.59 

42 

211. 41 

241.84 

273.20 

305-54 

338.91 

373-34 

43 

216.37 

247.36 

279.28 

312.18 

346.09 

381.07 

44 

221.34 

252.89 

285.36 

318.80 

353.25 

388.75 

45 

226.31 

258.41 

291.42 

325-39 

360.35 

396.37 

46 

231.27 

263.9O 

297.44 

33L9I 

367.37 

403.90 

47 

236.I9 

269.35 

303-39 

338.35 

374.31 

411.32 

1    48 

241.08 

274-74 

309.27 

344-71 

381.12 

418.59 

49 

245-91 

280.06 

3I5.06 

350.96 

387.80 

425.70 

50 

250.70 

285.33 

320.77 

357.08 

394.34 

432.64 

5i 

255-44 

290.51 

326.38 

363.08 

400.71 

439-38 

52 

200  12 

295.62 

331-86 

368.93 

406.90 

445-91 

53 

264.75 

300.63 

337-23 

374.62 

412.90 

452.19 

54 

269.29 

305-54 

342.47 

380.15 

418.68 

458.20 

55 

273.77 

3io.35 

347-56 

385.47 

424.20 

463.91 

56 

278.15 

315.03 

352.46 

390-56 

429.44 

469.27 

57 

282.45 

3I9-56 

357.18 

395-41 

434-36 

474.25 

58 

286.62 

323-93 

361.67 

399-95 

438.92 

478.79 

59 

290.65 

328.10 

365-89 

404.17 

443.08 

482.88 

60 

294.52 

332.04 

369.84 

408.03 

446.82 

486.54 

61 

298.22 

335-76 

373-47 

4H-53 

450.20 

489.86 

62 

301.74 

339-23 

376.83 

414.76 

453-34 

492.97 

63 

305.08 

342.50 

380.00 

417.85 

456.39 

496.03 

!  64 

308.27 

345-65 

383-u 

420.96 

459-52 

499.20 

;  °s 

311.41 

348.84 

386.38 

424-31 

462.94 

502.64 

!    66 

314.69 

352.29 

390.02 

428.11 

466.84 

506.51 

67 

318.35 

356.27 

394.29 

432.60 

471.40 

511.01 

68 

322.66 

361.05 

399.46 

438.02 

476.91 

516.18 

69 

327.93 

366.93 

405.80 

444-68 

483.44 

522.44 

70 

334.41 

374.11 

413.57 

452.58 

491.36 

530.31 

Am.3i* 


20Pay.L 


200 

Principles   and 

Practice 

Table  No.  LVIIL— Concluded. 

1 

TERMINAL 

NET   VALUES  PER  $1000  OF   WHOLE  LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE   AND 

ONE-HALF  PER  CENT. 

Age. 

14th 

15th 

16th 

17th 

l«th 

19th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

1 

20 

25L54 

275.39 

30O.22 

326.05 

352.93 

380.91 

21 

256.94 

281.29 

306.63 

333-00 

360.43 

388.98 

22 

262.51 

287.38 

3I3.25 

340.15 

368.15 

397.29 

23 

268.27 

293.66 

320.06 

347-53 

376.II 

405.86 

24 

274.20 

300.I3 

327.09 

355.13 

384.3I 

41467 

25 

280.31 

306.79 

334-32 

362.96 

392.75 

423.75 

26 

286.60 

3I3.65 

34L77 

371.01 

401.43 

433-OS 

3 

293.08 

320. 70 

349-42 

379.29 

410.35 

442.65 

299  74 

327.96 

357-30 

387.79 

419.50 

452.47 

29 

306.59 

335.42 

365-38 

396-52 

428.88 

462.53 

30 

3I3-63 

343-07 

373-67 

405.45 

438.48 

472.81 

3i 

320.85 

350.92 

382,15 

414  59 

448.28 

483.29 

32 

328.26 

358.95 

390.82 

423.91 

458.27 

493-95 

33 

335.82 

367.16 

399.67 

433-40 

468.42 

504.78 

34 

343- 56 

375-52 

408.67 

443-04 

478.72 

515.77 

35 

351-44 

384-02 

417-79 

452.81 

489.15 

526.90 

36 

359-44 

392.64 

427-03 

462.69 

499.70 

538.14 

% 

367.54 

401.35 

436.37 

472.67 

510.34 

549-49 

375-73 

410.14 

445-78 

482.72 

521.06 

560.90 

39 

333.98 

418.99 

455-24 

492.82 

531-82 

572.38 

40 

392.27 

427.87 

464.74 

502.94 

542.61 

583.89 

4i 

400.59 

436.77 

474-23 

513-07 

553-41 

595-40 

42 

408.90 

445-66 

483.71 

523-17 

564.18 

606.90 

43 

417.18 

454.50 

493-14 

533-22 

574.89 

618.35 

44 

425.40 

463.28 

502.49 

543-iS 

585.52 

629.73 

45 

433-55 

47I-96 

511-74 

553-03 

596.04 

641.01 

46 

441.58 

480.51 

520.84 

562.73 

606.41 

652.15 

S 

449.48 

488.91 

529.77 

572.26 

616.61 

663.14 

457-21 

497.13 

538.51 

581.58 

626.60 

673.92 

49 

464.76 

505.14 

547-Q2 

590.65 

636.34 

68448 

50 

472.11 

512.92 

555-27 

599-45 

645.80 

694.78 

5i 

479-23 

520.43 

563.23 

607.94 

654-95 

70479 

52 

486.09 

527.65 

570.86 

616.07 

663.74 

714-47 

53 

492.66 

534-54 

578.13 

623.83 

672.15 

723.81 

54 

498.91 

541.06 

584.99 

631.15 

080.15 

732.81 

n 

504.80 

547.18 

591.40 

638.02 

687.73 

741.48 

510.29 

552.83 

597-33 

644.41 

694.90 

749-85 

57 

515.33 

557-99 

602.76 

650.36 

701.69 

757-93 

58 

519.89 

562.66 

607.73 

655.87 

708.IO 

765.74 

59 

523.97 

566.87 

612.26 

660.98 

714.16 

773.26 

60 

527.64 

570.69 

616.41 

665.73 

719.86 

780.47 

61 

530.99 

5 74- 20 

620  25 

670.13 

725.18 

787-35* 

62 

534-16 

577-52 

623.84 

674.21 

730.15 

793-Si 

63 

537.27 

580.74 

627.25 

678.02 

734.64 

799-83 

64 

540.47 

583.95 

630.55 

681.43 

738.67 

805.44 

3 

543-36 

587.26 

633.61 

684.48 

742.25 

810.70 

547.60 

590.57 

636.55 

687.28 

745-55 

815-63 

67 

551.65 

594- 1 1 

639.61 

690.18 

748.76 

820.12 

i    68 

556.36 

598.29 

643-39 

693.63 

751-95 

823.97 

69 

562.26 

603.88 

648.57 

697.95 

755-15 

826.97 

70 

570.15 

611.63 

655.52 

703.23 

758.19 

829.08 

lOYr.End. 


Am.31% 


Of  Likf   Insurance;. 


201 


Table  No.  LIX. 

TERMINAL  NET  VALUES  PER  $1000  OF  TEN-YEAR  ENDOW- 

MENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

MATURITY,  AMERICAN  EXPERIENCE,  THREE 

AND  ONE-HALF  PER  CENT 


Age. 


20 
21 
22 

23 

24 

25 
26 
27 
28 
29 
30 
31 
32 

33 
34 

36 
37 
38 
39 
40 

4i 
42 
43 
44 

46 

47 
48 

49 
So 
5i 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 

a3 

65 
66 
67 
68 
69 
70 


1st 

Year. 


82.16 
82.14 
82.12 
82.IO 
82.09 
82.08 
82.06 
82.04 
82.02 
81.99 
81.98 
81.96 
81.93 
81.9O 
81.87 
81.85 
81.82 
81.78 

81.74 
81.70 

81.65 
8l.6l 
81.57 

81.53 
81.48 

81.43 
81.36 
81.30 
81.22 
8l. II 
80.98 
80.83 
80.66 
80.47 
80.26 
80.02 

79-75 
79.46 
79.14 
78.78 
78.40 
77-97 
77-51 
77.02 
76.48 
75-88 
75.22 
74-49 
73.65 
72  73 
71.70 


2d 

Year. 


67.81 
67.78 
67.75 
67.72 
67.69 
67.66 
67.62 
67-59 
67.55 
67,51 
67.47 
67.43 
67o7 
67.31 
67.26 
67.21 
67.14 
67.07 

66  99 
66.90 
66.82 

66.73 
66.64 
66.54 
66.44 
66.33 
66.19 
66.04 
65.85 
65.60 

65-32 
65.00 
64.65 
64.24 

63.79 
63.28- 
62.72 
62.11 
61.44 
60.69 

59-87 
58.98 
58.01 

56.97 
55-82 
54-54 
53-14 
51-56 

49-79 

47.82 

45.63 


3d 

Year. 


257.13 
257.09 

257.05 
25/.OI 
256.96 
256.92 
256.87 
256.81 
256.76 
256.70 
256.64 

256.57 
256.50 
256.42 

256.34 
256.26 
256.16 
256.04 

255-93 

255.80 

255.67 
255-54 
255-39 
255-25 
255-07 
254.89 
254.67 
254.41 
254.09 
253-70 
253.26 

252.77 
252.21 
251.58 
250.88 
250.10 
249.24 
248.30 
247.26 
246.10 

244.8  + 
243.46 
241.97 
240.33 

238.53 
236.53 
234.32 

231-85 
229.06 
225.98 
222.66 


4  til 

Year. 


350.28 
350.23 
350I8 

350.I3 
350.07 
350.02 

349-95 
349.89 
349.82 
349-74 
349.66 
349-58 
349-49 
349.38 
349.28 

349- 1 7 
349-04 

348.89 

348.74 
348.58 
348.41 
348.23 
348.04 
347-83 
347-59 
347-33 
347-OI 
346.63 
346.19 
345-66 

345-07 
344-40 
343-65 
342.81 
34I.87 
340.84 
339-69 
338.43 
337.03 
335-48 

333-79 
331-95 
329.92 
327.70 
325.26 
322.54 
3I9-53 
316.15 
312.38 
308.26 
303.88 


5th 

Year. 


447-43 
447-38 
447.32 
447.26 
447.20 

447.14 
447.06 
446.99 

446.91 
446.82 

446.72 
446.63 
446.52 
446.41 
446.28 
446.15 

445-99 
445.82 

445-64 
445-45 
445-24 
445-03 
444.78 
444-52 
444.22 
443-88 

443-47 
442.99 
442.44 
441.80 

441.07 
440.26 
439-34 
438.32 
437-19 
435-93 
434-53 
432.99 
431.29 
429.41 

427.35 
425.09 
422.60 
419.88 
416.86 
413.50 
409  76 
405-58 
400.96 
395.98 
390.73 


6th 

Year. 


548.78 
548.72 
548.66 
548.60 
548.53 
548.46 
548.38 
548.30 
548.22 
548.12 
548.03 

547-92 

547-81 
547-68 
547-54 
547-39 
547-22 

547-04 
546.85 
546.64 
546.41 
546.16 
545-88 
545-58 
545-23 
544-83 
544-35 
543-81 
543.18 
542.45 
541.64 
540.73 
539-70 
538.57 
537.30 
535-90 
534-34 
532.61 

530.71 

528.61 

526.30 

52375 
520.95 
517.85 
5I4-42 

5io.59 
506.34 
501.61 

496.44 
490.90 

485.05 


Tth 

Year. 


654.49 
654.44 
654.38 
654.32 
654.26 
654.19 
654.12 
654.04 
653.96 
653.87 

653-77 
653-67 
653-55 
653.43 
653-29 
653-I4 
652.98 
652.80 
652.60 
652.39 
652.16 
651.90 
651.62 
651.29 
650.92 
650.50 
650.OO 
649.44 

648.79 
648.06 

647.23 

646.30 
645.27 
644.II 
642.83 
641.40 
639.82 
638.07 
636.13 
633-99 
631.61 
629.OO 
626.II 
622.91 
619.36 
615.40 
6ll. OI 
606.18 
600.91 
595-25 
589.25 


8th 

Year. 


764.79 

764.75 
764.70 
764.65 
764.60 
764  54 
764.48 
764.41 
764.34 
764.27 
764.19 
764.10 
764  00 
763.89 

763.77 
763.64 
763.50 
763.35 
763.18 
762.99 
762.78 

762.55 
762.29 
762. CO 
761.66 
761.27 
760.83 
760.33 
759-75 
759-10 
758.37 
757-55 
756.64 
755-62 
754-49 
753-23 
751.82 
750.28 

748.57 
746.66 

744-55 
742.21 
739.62 
736.74 
733-55 
729.99 
726.07 
721.77 
717.06 
711.98 
706.51 


9th 

Year. 


879.89 
879.86 
879.83 
879.80 
879.77 
879-73 
879.69 

879.65 
879.61 
879.56 

879.51 
879-45 
879-39 
879.32 

879-25 
879.17 
879.07 

878.97 
878.86 

878.74 
878.60 

878.45 
878.28 
878.08 
877.86 
877.60 

877.31 
876.98 
876.60 
876.18 

875.71 
875.18 
874.58 
873.92 
873.18 
872.37 
87L45 
870.44 
869.31 
868.06 
866.67 
865.12 
863.41 
861.50 

859-39 
85704 

854.46 
851.61 
848.48 
845.06 

841.31 


Am.35% 


15Yr.End 


202 


Principi.es  and   Practice 


Table  No.  LX. 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN- YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 


1st 

2d 

3d 

4th 

Age. 

Year. 

Year. 

Year. 

Year. 

20 

48.92 

99.90 

I53.05 

208.45 

21 

48.9I 

99.88 

I53-OI 

208.40 

22 

48.9O 

99.86 

152.98 

208.37 

23 

48. 8S 

99.84 

152.96 

208.33 

24 

48.88 

99-83 

152.93 

208  29 

25 

48.87 

99.81 

152.90 

208.25 

26 

48.86 

99-79 

152.87 

208.20 

27 

48.85 

99-77 

152.84 

208.16 

28 

48.85 

99-75 

152.81 

208.I2 

29 

48.83 

99.72 

152.78 

208.07 

30 

48.83 

99.71 

15275 

208.03 

31 

48.82 

99.70 

152.72 

207.98 

3' 

48.81 

99.67 

152. 68 

207.93 

33 

48  80 

99-65 

152.65 

207.89 

34 

48.79 

99.64 

152.62 

207.85 

11 

48.80 

99- 63 

152.60 

207.79 

48.79 

99.62 

152.57 

207.74 

U 

48.79 

99.60 

152.54 

207.69 

48.79 

99-59 

152.51 

207.65 

39 

48.79 

99-59 

152.50 

207.63 

40 

48.80 

99.60 

152.50 

207.62 

4i 

48.82 

99-63 

152.53 

207.62 

42 

48.83 

99.66 

152.55 

207.64 

43 

48.87 

99.70 

152.61 

207.66 

44 

48.90 

99.76 

152.65 

207.68 

$ 

48.95 

99.82 

152.71 

207.71 

48.99 

99.88 

152.76 

207.70 

% 

49.04 

99-95 

152.79 

207.67 

49.08 

99.98 

152.78 

207.58 

49 

49- 1 1 

99.99 

152.74 

207.46 

50 

49.13 

99.99 

152.68 

207.30 

5i 

49.14 

99.98 

152.61 

207.12 

52 

49.16 

99-97 

152.51 

206.91 

53 

49.18 

99-94 

152.40 

206.67 

54 

49.18 

99.91 

152.27 

206.39 

55 

49.20 

99-87 

152.13 

206.IO 

56 

49.20 

99-83 

151.98 

205. 7S 

11 

49.22 

99.80 

151-83 

205.44 

49-25 

99-77 

151.67 

205.08 

59 

49.27 

99-73 

151-49 

204.68 

60 

49-30 

99.70 

I5I-3I 

204.26 

61 

49-32 

99.66 

151-11 

203.82 

62 

49-36 

99-63 

150.91 

203.32 

6J 

49.40 

99-59 

150.66 

202.75 

64 

49-44 

99-52 

150.36 

202.09 

S2 

49  45 

99.42 

149.99 

201.30 

49.46 

99.29 

149-54 

200.40 

67 

49-47 

99.11 

1  »9-03 

199.38 

68 

49-44 

98.90 

148.45 

198.27 

69 

49-44 

98.68 

147.87 

197-25 

70 

49.42 

98.48 

147.41 

196.49 

5th 

Year. 


266.21 
266.16 
266.II 
266.06 
266.OI 
265.96 
265.90 
265.84 
265.79 
265.73 
265.66 
265.60 
265  54 
265.47 
265.40 

265.33 
265.25 
265.18 
265.12 
265.07 
265.03 
265.02 
264.99 
264.98 
264.96 
264.91 
264.82 
264.69 
264.50 
264.27 
263.99 
263.66 
263.29 
262.88 
262.42 
261.92 
261.37 
260. 79 
260.16 
259.48 

258.76 
257.96 
257-07 
256.07 

254-90 
253-57 
252.05 

250.39 
248.70 
247.18 
246. 10 


6th 

Year. 


326.43 
326  37 
326.31 
326.26 
326.19 
326.13 
326.06 
325.99 
325.92 
325.84 
325.77 
325-69 
325.60 

325-5I 
325.42 
325.32 
325  22 
325-12 
325.03 
324.95 
324.88 
324.82 

324.75 
324.68 
324.58 
324-44 
324.24 
324.OO 
323  69 
323-3I 
322.88 
322.38 
321.83 
321.21 
320.53 
3I9-78 
318.97 
318.08 

3r7-I4 
3I6.I2 

3I5.00 

313-77 
312.41 
310.86 
309.IO 
307.O9 
304.84 
302.48 
3OO.16 
298.I5 

296  68 


7th 

Year. 


389.23 
389.17 
389.IO 
389.03 
388  96 
388.88 
388.80 
388.72 
38863 
388.54 

388.45 
388.36 
388.25 
388.13 
388.OI 
387.89 
387.76 
387.63 
387.51 
387.39 
387.28 
387.16 
387.03 
386.88 
386.68 

386.44 
386.13 
385-76 
385.30 
384-77 
384-16 
383.48 
382.72 
381.88 
380.94 
379.92 
378.80 
377.60 
376.29 
374-87 
373.31 
37L59 
369.67 
367.50 
365-04 
362.28 
359-28 
356.21 
353.26 
350.70 
348.79 


15Yr.End. 


Am.3i* 


Op  Lifk 

Insurance:. 

203 

Table  No. 

LX. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN-YEAR  EN- 

DOWMENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,    AMERICAN    EXPERIENCE, 

THREE  AND  ONE-HALF 

PER  CENT. 

Age. 

8th 

9th 

10th 

11th 

12th 

1.1  th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

1   20 

454-73 

523-05 

594-31 

668.66 

746.25 

827.22 

911-75 

21 

454-66 

522.97 

594-23 

668.58 

746.18 

827.16 

911. 71 

!  22 

454.58 

522.89 

594-15 

668.50 

746.IO 

827.IO 

911.68 

}  23 

454.50 

522.8o 

594.06 

668.42 

746.02 

827.04 

911.64 

24 

454-43 

522.72 

593-97 

668.33 

745-94 

826.97 

911. 6g 

25 

454-34 

522.62 

593.87 

668.23 

745.85 

826.90 

9"-55 

26 

454.25 

522.52 

593-77 

668.13 

745-76 

826.82 

911. 51 

27 

454.15 

522.42 

593-66 

668.02 

745.65 

826.74 

9JI-45 

28 

454-o6 

522.31 

593-55 

667.90 

745-54 

826.65 

911.40 

29 

453  95 

522.20 

593.42 

667.77 

745-42 

826.54 

9"-33 

30 

453-84 

522.07 

593-28 

667.63 

745.29 

826.44 

911.27 

3i 

453-72 

521.94 

593-14 

667.48 

745.15 

826.32 

911. 19 

32 

453-59 

521.79 

592.98 

667.32 

744.99 

826.19 

911. 11 

33 

453-46 

521.63 

592.81 

667.15 

744-83 

826.05 

911.02 

34 

453-31 

521.47 

592.63 

666.96 

744.65 

825.89 

910.92 

35 

453-16 

521.30 

592.44 

666.76 

744-45 

825.72 

910.81 

36 

453-OI 

521. II 

592.24 

666.54 

744.24 

825.54 

910.69 

3Z 

45285 

520.93 

592.02 

666.31 

744.oo 

825.33 

910.56 

38 

452.69 

520.73 

591-79 

666.06 

743-74 

825.IO 

910.40 

39 

452.53 

520.53 

59^54 

665.78 

743-45 

824.84 

910.23 

40 

452-37. 

520.31 

591.27 

665.46 

743.13 

824.54 

910.04 

4i 

452.19 

520.06 

590-9° 

665.10 

742.76 

824.21 

909.82 

42 

451.98 

519-77 

590.60 

664.69 

742.33 

82384 

909.58 

43 

45*-74 

519-43 

590.18 

664.23 

741.86 

823.41 

9°9  3°  ! 

44 

45L44 

519.04 

589.70 

663  68 

74I-3I 

822.93 

908.99 

45 

451.08 

5IS.57 

589.14 

663.07 

740.68 

822.38 

908.63 

46 

450.65 

518.02 

588.49 

662.35 

739-97 

821.76 

908.23 

% 

450.14 

517.38 

587.74 

661.54 

739.16 

821.06 

907.78 

449-54 

516.64 

586.88 

660.62 

738.25 

820.26 

907.27 

49 

448.85 

515-79 

585-92 

659-58 

737.22 

819.37 

906.70 

50 

448.06 

5I4.'85 

584.83 

658.42 

736.07 

818.38 

906.06 

5i 

447.19 

513-79 

583-63 

657.12 

734-78 

817.27 

905.35 

52 

446.22 

512.61 

582  28 

655-67 

733.36 

816.03 

904.55 

53 

445.14 

511-31 

580.79 

654.08 

73I.78, 

814.66 

9c3-67 

54 

443-94 

509.86 

579- 14 

652.31 

730.03 

813.14 

902.68 

!  55 

442.63 

508.28 

577-34 

650.37 

728.10 

811.46 

901.59 

!  56 

441.20 

506.56 

575-36 

648.23 

725.97 

809.59 

900.38 

57 

439-65 

504-67 

573.18 

645-88 

723.62 

807.52 

899.03 

;  58 

437.96 

502.61 

570.80 

643.28 

721.02 

805.23 

897-53 

i  59 

436.11 

500.34 

568.17 

640.42 

718.13 

802.68 

895.87 

1 60 

434.09 

497.84 

565.26 

637.23 

714.92 

799.86 

894.03 

1 61 

431.83 

495-06 

562.02 

633.68 

711.36 

790-73 

892.00 

1 02 

429.31 

491-95 

558.39 

629.73 

707.42 

793.29 

889.76 

!  53 

426.48 

488.46 

554.36 

625.39 

703.11 

789-52 

887.28 

64 

423.28 

484.58 

549-Q5 

620.67 

698.42 

785-40 

884.55 

6A 

419-77 

480.39 

545-22 

615.63 

693.40 

780.93 

881.55 

66 

416.04 

476.OI 

540.30 

610.35 

688. oS 

776.12 

878.25 

^ 

412.28 

471.61 

535-33 

604.95 

682.52 

77I.OO 

874.63 

63 

408.70 

467.39 

530.47 

599-53 

676.S1 

765.50 

870.65   . 

69 

405-55 

463-55 

525.88 

594-23 

670.87 

759.62 

866.29   1 

70 

403-03 

460.27 

521.72 

588.93 

664.71 

753-33 

861.50  1 
-i 

Am.35* 


20Yr.End 


204 

Principles 

and  Practice 

Table  No.  LXI. 

TERMINAL 

NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL  ANNUAL 

PREMIUMS 

TILL 

MATURITY,    AMERICAN    EXPERIENCE, 

THREE  AND  ONE-HALF 

rER  CENT. 

1st 

2d 

3d 

4th 

5  tli 

6th 

7th. 

Agr. 
20 

Year. 

Year. 

Year. 

•     Year. 

Year. 

Year. 

Year. 
259.9O 

32.71 

66.79 

IO2.29 

139.29 

177.84 

2I8.02 

21 

32.71 

66.78 

I02  28 

139-27 

177.82 

217-99 

259.86 

22 

32.71 

66.77 

I02.27 

139.26 

177.80 

217.97 

259-83 

23 

32.70 

66.77 

I02.27 

139-25 

177.79 

2t7-95 

259.80 

24 

32.71 

66.78 

I02.27 

139-25 

177.78 

217.93 

259-78 

25 

32.71 

66.78 

I02.27 

139-25 

177.78 

217  92 

259.76 

26 

32.71 

66  78 

I02.28 

139-25 

177-77 

217.91 

259-74 

27 

32.72 

66.79 

102  28 

139.26 

177.78 

217.9I 

259-73  > 

28 

32.73 

66.80 

IO2.30 

139.27 

177.79 

217.91 

259.72  ; 

29 

32.73 

66.81 

IO2.32 

139.29 

177.80 

217.92 

259-73 

30 

32.74 

66.84 

102.35 

139-32 

177.83 

217.95 

259-74 

31 

32.76 

66.87 

IO2.38 

139-35 

177.87 

217.98 

259-77 

32 

32.73 

66.90 

102.42 

139-41 

177.92 

218.03 

259.80 

33 

32.79 

66.93 

ro2.47 

139-47 

177.98 

218.09 

259-85 

34 

32. 82 

66.99 

102.54 

139-55 

178.07 

2I8.I7 

259.92 

35 

32.86 

67.06 

102.63 

I39-65 

178.18 

218.28 

260.03  i 

36 

32  90 

67.13 

102.73 

139-77 

178.30 

218.4I 

260.16 

U 

32.95 

67.22 

102.85 

139-91 

178.47 

218.59 

260.34 

33-oo 

67.32 

102.99 

140.09 

178.67 

2l8.8l 

260.56 

39 

33-oS 

67.44 

103.17 

140.31 

178.93 

219.08 

260.84 

40 

33-15 

67-59 

103.38 

140. 5S 

179-23 

219.4I 

261.16 

41 

33-'25 

67.78 

103.65 

140.89 

179.59 

219.78 

261  53 

42 

33-36 

67.99 

103.94 

141.26 

179.99 

220.20 

261.95 

43 

33-50 

68.23 

104.2S 

141.67 

180.45 

220.67 

262.38 

44 

33- 63 

68.51 

104.65 

142.12 

180  94 

22I.I6 

262.84 

45 

33- So 

68.81 

105.06 

142.60 

181.45 

221.66 

263.29 

46 

33-97 

69.13 

105.50 

143.10 

181.97 

222.17 

263  76 

47 

34.17 

69.48 

105.95 

143.62 

182.51 

222.70 

264.24 

48 

34-37 

69.84 

106.42 

144-15 

133.07 

223.25 

264.72 

49 

34-57 

70.19 

106.89 

144.69 

183.65 

223.80 

265.21 

50 

34-79 

70.58 

107.39 

145.28 

184.26 

224.39 

265.73 

51 

35.0I 

70.98 

107.94 

145.90 

184.92 

225.02 

266.29 

52 

35-26 

71-43 

108.53 

146.58 

185.63 

225.71 

266.90 

53 

35-53 

71.91 

109.17 

147  32 

186.40 

226.47 

267.58 

54 

35-82 

72.44 

109  87 

148.13 

187.26 

227.30 

268.32 

55 

36.13 

73- 00 

110.62 

149.01 

188.19 

228.21 

269.12 

56 

36.47 

73.6i 

in. 44 

149.96 

189.19 

229.19 

270.00 

11 

36.  s4 

74.29 

112  34 

151.00 

190  29 

230.25 

270.96 

37.25 

75-oi 

113-30 

152. 11 

191.46 

231.40 

271.98 

59 

37-67 

75-73 

114.32 

153.28 

192.71 

232.62 

273.05 

60 

38.13 

76.60 

115-41 

1 54- 56 

194.05 

233.91 

274.17 

61 

38.61 

77-48 

116.58 

I55-9I 

I95-46 

235.26 

275-34 

62 

39- 13 

78.42 

11784 

157.35 

196.96 

236.69 

276.55 

63 

39-7Q 

79-44 

119.17 

158.88 

198  54 

238.17 

277.81 

64 

40. 30 

80.50 

120.57 

160.48 

200.19 

239-73 

279.12 

65 

40.92 

81.61 

122.03 

162.13 

201.91 

241-35 

2S0.51 

20Yr.End. 


Am.3l* 


Of  Life   Insurance. 

205 

1 

Table  No.  LXI. — Continued 

J    TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE 

THREE  AND  ONE-HALF  FER  CENT. 

8th 

9th 

lOth 

11th 

12th 

13th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

303.55 

349-05 

396.50 

445-97 

497-56 

551.38 

21 

303.50 

349.OO 

396.43 

445-90 

497-49 

55L29 

22 

303.46 

348.95 

396.38 

445-83 

497.41 

55I-20       ; 

23 

303.43 

348.91 

396.32 

445-76 

497  33 

55I-I2     | 

24 

303.40 

348.87 

396-27 

445-70 

497-25 

551.03       ! 

% 

303.37 

348.82 

396.21 

445-63 

497-17 

550.94 

303.34 

348.78 

396.16 

445.56 

497.09 

550.84 

% 

303.31 

348.75 

396.11 

445-50 

497.00 

550.73 

303.30 

348.72 

396.06 

445-43 

496.91 

550.63 

29 

303.29 

348.69 

396.01 

445- 36 

496.82 

550.52 

30 

303.29 

348.67 

395.98 

445-29 

496.74 

550.4I 

31 

303.30 

348.66 

395-94 

445-24 

496.65 

550.30 

32 

303.32 

348.66 

395-92 

445.19 

496-58 

550.20 

33 

303-35 

348.68 

395-91 

445-17 

496.52 

550.IO 

34 

303.42 

348.72 

395-94 

445.16 

496.48 

550.02 

35 

303.5I 

348.80 

395-99 

445.17 

496.45 

549-94 

36 

303.64 

348.90 

396.07 

445.20 

496.43 

549-87     ; 

37 

303.80 

349  05 

396.17 

445.26 

496.43 

549-79 

38 

304.OI 

349-23 

396.31 

445-34 

496.43 

549-70 

39 

304.27 

349-45 

396.48 

445-43 

496.42 

549-59 

40 

304.57 

349-71 

396.66 

445-52 

496.40 

549.46 

4i 

304.92 

349-99 

396.85 

445.60 

496-37 

549-31     : 

42 

305.28 

350.28 

397.04 

445.67 

496-3I 

549-H     i 

43 

305.66 

350.57 

397.22 

445-73 

496.22 

548.87    ! 

44 

306.04 

350.86 

397-39 

445-75 

496.09 

548.57 

i 

306.42 

351-14 

397-54 

445-74 

495- 91 

548.21 

306.81 

35L40 

397.66 

445.69 

495-67 

54779    I 

% 

307.19 

351-66 

397-75 

445.60 

495.38 

547-29   ! 

307.57 

35I-90 

397.82 

445.48 

495.04 

546.72   i 

49 

307.95 

352.13 

397-87 

445-31 

494.63 

546.06  1 

So 

308.36 

352.38 

397.92 

445.12 

494.18 

545-33     ! 

Si 

308.80 

352.65 

397- 96 

444.90 

493-67 

544-53 

52 

3^9.28 

352.93 

398.01 

444.67 

493-^3 

54367     ! 

53 

309.80 

353-25 

398.07 

444-43 

492.55 

542.73 

54 

310.38 

353-6i 

398.15 

444  18 

49J-93 

541-71 

55 

311.02 

354-OI 

398.25 

443-91 

49T-25 

540.58  : 

56 

311.72 

354-45 

398-35 

443.60 

490.48 

539-33 

57 

312.48 

354  92 

398.44 

443-25 

489  61 

537.91 

58 

3I3.27 

355-39 

398.50 

442.80 

488.60 

536.23   : 

59 

314.09 

355.86 

398.49 

442.24 

487.40 

534-42      j 

60 

314.93 

356.29 

398.42 

44L55 

486.03 

532.36  ! 

61 

31578 

356.69 

398.25 

440.72 

484.52 

530.19 

62 

316.64 

357.07 

398.03 

439.86 

483.01 

528.04  I 

63 

317.52 

357-45 

397-86 

439- " 

481.67 

526.10    I 

64 

318.46 

357-95 

397.89 

438.65 

480.68 

524-55    ; 

65 

319-55 

358.73 

398.32 

438.69 

480.27 

523.57 

Am.£* 


20Yr.End 


206 

Principles  and  Practice 

Table  No.  LXL— Concluded 

. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE 

THREE  AND  ONE-HALF  PER  CENT. 

14th 

15  th 

16th 

17th 

18th 

19th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

607.52 

666.10 

727.23 

791.05 

857.69 

927.28 

21 

607.43 

666.OO 

727.14 

790.97 

857.62 

927.24 

22 

607.34 

665.91 

72705 

790.88 

857-54 

927.20 

23 

607.24 

665.81 

726.94 

790.78 

857.47 

927.15 

24 

607.14 

665.70 

726.84 

790.68 

857.38 

927.IO 

u 

607.04 

665.59 

726.72 

790.57 

857.29 

927.04 

606.92 

665.46 

726.60 

790.45 

857.I9 

926.98 

11 

606.80 

665.34 

726.46 

790.33 

857.09 

926.91 

606.68 

665.20 

726.32 

790.19 

856.97 

926.84 

29 

606.55 

665.06 

726.17 

790.05 

856.85 

926.76 

30 

606.42 

664.91 

726.02 

78989 

856.71 

926.67     j 

31 

606.29 

664.76 

725.85 

789.73 

856.57 

926.58     j 

32 

606.16 

664.60 

725.68 

789.55 

856.40 

926.47 

33 

606.03 

664.44 

725.49 

789.35 

856.23 

926.35     1 

34 

605.9I 

664.28 

725.29 

789.14 

856.03 

926.22 

11 

605.78 

664.IO 

725.07 

788.89 

855.81 

926.07 

605.64 

663.89 

724.82 

788.62 

855.56 

925.90 

11 

605.48 

663.66 

724.54 

788.32 

855.28 

925.72 

605.30 

663.40 

724.22 

787.98 

854.96 

925.51 

39 

605.O9 

663.II 

723.86 

787.59 

854.61 

925.27 

40 

604.86 

662.78 

723.45 

787.16 

854.21 

925.01 

41 

604.58 

662.39 

722.99 

786.67 

853-77 

924.71 

42 

604,25 

661.94 

722.46 

786.II 

853.26 

924.38 

43 

603.86 

661.43 

721.86 

785.48 

852.70 

924.OO 

44 

603.40 

660.84 

721.17 

784.76 

852.05 

923.58 

$ 

602.88 

660.17 

720.40 

783.96 

85L33 

923.IO 

602.27 

659.39 

7I95I 

783.05 

850.52 

922.57 

9 

601.57 

658.52 

718.52 

782.03 

849.61 

921.97 

600.77 

657-53 

717.41 

780.89 

848.59 

921.30 

49 

599-87 

656.43 

716.16 

779.61 

847.46 

920.56 

50 

598.89 

655.22 

7I4.79 

778.20 

846.20 

919.72 

5i 

597-81 

653.88 

713.28 

776.64 

844.80 

918.80 

52 

596.62 

652.41 

711. 6l 

774-92 

843.25 

917.77 

53 

595.32 

650.80 

709.78 

773.02 

841.54 

916.63 

54 

593-91 

649.03 

707.75 

770.91 

839.63 

9!5-37 

§i 

592.34 

647.08 

705.50 

768.57 

837.52 

913.98 

590-59   , 

644.88 

702.99 

76597 

835-I9 

912.43 

12 

588.63 

642.42 

700.19 

76309 

832.63 

910.73 

586.39 

639.68 

697.II 

759-95 

829.81 

908.86 

59 

583.91 

636.68 

693.77 

756.54 

826.75 

906.80 

60 

581.22 

633-47 

690.22 

752.90 

823.44 

9°4-54 

61 

578.43 

630.15 

686.51 

749-05 

819.88 

902.05 

62 

575-68 

626.85 

682.76 

745-05 

816.IO 

899.32 

63 

573.13 

623.69 

679.04 

740.98 

812.06 

896.33 

64 

570.94 

620.80 

675.46 

736.76 

807.74 

893.06 

65 

569.25 

618.29 

671.93 

732.41 

803.13 

889.47 

25Yr.End. 


Am.3i* 


Of  L,ife   Insurance. 

207 

Table  No 

LXII. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY 

,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4tli 

5  th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

23-33 

47.61 

72.90 

99.23 

126.65 

155-22 

184.98 

215.97 

21 

23.33 

47.62 

72.91 

99-25 

126.68 

155.25 

185.OO 

216.OO 

22 

23-34 

47.63 

72.93 

99.28 

126.72 

I55.29 

185.05 

216.04 

23 

23-35 

47.66 

72.97 

99-32 

126.76 

155-34 

185.IO 

216.09 

24 

23.37 

47.69 

73.OI 

99-37 

126.82 

I55-4I 

185.17 

216.17 

25 

23.39 

47-73 

73.06 

99.44 

126.90 

155.48 

185.25 

216.25 

26 

23.40 

47.76 

73.12 

99-51 

126.98 

155.58 

185.35 

216.35 

1    27 

23-43 

47-81 

73-19 

99-59 

127.08 

I55-69 

185.48 

216.48 

!  28 

23.46 

47.87 

73-27 

99.70 

127.21 

155-83 

185.62 

216.64 

29 

23.49 

47-93 

73.36 

99.82 

127.35 

155-99 

185.81 

216.83 

30 

23.53 

48.02 

73.48 

99-97 

127.52 

156.20 

186.03 

217.07 

31 

23.58 

48.II 

73.61 

100.14 

127.74 

156.43 

186.29 

217-34 

32 

23.64 

48.22 

73-77 

100.34 

127.98 

156.71 

186.59 

217.67 

i  33 

23.70 

48.34 

73-95 

100.58 

128.26 

I57.03 

186.94 

2l8  04 

34 

23.78 

48.49 

74  17 

100.87 

128.59 

157.42 

187.36 

218.50 

3§ 

23.87 

48.67 

74-43 

101.19 

128.98 

157.85 

187.86 

219.03 

36 

23.97 

48.86 

74.71 

101.55 

129.42 

158.36 

188.42 

219.65 

37 

24.09 

49.08 

75-04 

101.97 

129.93 

158.95 

189.08 

220.36 

!  38 

24.21 

49-34 

75.40 

10245 

I30  51 

159.64 

189.84 

22I.I8 

39 

24-37 

49.63 

75.84 

103.01 

131.20 

160.42 

I9O.72 

222.12 

40 

24-53 

49-97 

76.33 

103.66 

131-97 

l6l. 31 

I9I.7O 

223.17 

4i 

24-73 

50.36 

76.90 

104.39 

132.85 

162.31 

192.80 

224.34 

42 

24-95 

50.80 

77-54 

105.21 

I33-83 

163.43 

I94.OI 

225.60 

43 

25.21 

51.28 

78.25 

106.12 

134-91 

164.65 

195-33 

226.97 

44 

25.49 

51.82 

79.03 

107. 11 

136.09 

165.96 

196.73 

228.43 

4I 

25.80 

52.42 

79.89 

108.20 

137-35 

167.36 

198.24 

23O.OO 

46 

26.13 

53-o6 

80.81 

109.35 

I38.70 

168.85 

199.83 

23I.67 

4Z 

26.50 

53-77 

81.79 

110.58 

I40.I3 

170.45 

201.55 

233-45 

48 

26.89 

54-50 

82.83 

in. 88 

141-65 

172.15 

203.37 

235.36 

49 

27.29 

55.27 

83.93 

113.26 

143.27 

173.96 

205.33 

237.40 

50 

27.72 

56.09 

85.10 

114-75 

I45-OI 

I75.90 

207.43 

239-59 

5i 

28.19 

56.98 

86.37 

116.34 

146.89 

I78.OO 

209.69 

241.96 

52 

28.68 

57.93 

87.73 

118.05 

148.89 

180.25 

212.12 

244.51 

53 

29.23 

58.96 

89.19 

119.89 

I5L05 

182.67 

214.74 

247.24 

54 

29.79 

60.05 

90.73 

121.84 

153.36 

185.25 

217.52 

250.I5 

I  55 

3040 

61.21 

92.39 

123.94 

155.82 

188.OI 

220.49 

253.25 

56 

31.04 

62.44 

94.17 

126.18 

158.45 

I9O.94 

223.65 

256.56 

11 

31-74 

63.78 

96.07 

128.57 

I6I.24 

194.07 

227.02 

26o  08 

32.49 

65.19 

98.08 

131.09 

164.21 

197.39 

23O.60 

263.81 

59 

33-27 

66.68 

100.20 

133.76 

167.34 

20O.9O 

234.37 

267.74 

60 

34  09 

68.25 

102.43 

136.59 

170.67 

204.60 

238.35 

271.87 

Am.3i* 


25Yr.End. 


208 

Principles  and   Practice 

Table  No.  LXII. — Continued. 

TERMINAL  NET  VALUES  PER  $] 

[ooo  OF  TWENTY  FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Age. 

20 
21 
22 

23 

24 

9th 

Year. 

10th 

Year. 

11th 

Year. 

12th 

Year. 

13th 

Year. 

14th 

Year. 

l«th 

Year. 

16th 

Year. 

248.27 
248.29 

248.33 
248.38 
248.45 

281.91 
281.93 
281.97 
282.02 
282.08 

316.97 
316.99 
317.02 
3I7.05 
3i7.II 

353.51 
353-52 
353-54 
353-56 
353-61 

391.60 

39!-59 
391.60 
391.61 
39I.65 

43L29 
43L28 
431.27 
43L28 
431.29 

472.68 
472.65 
472.63 
472.62 
472.61 

515.84 
5I5.80 
5I5-76 
515.73 
5I5.70 

3 

29 

248.53 
248.64 
248.77 
248.93 
249.13 

282.16 
282.26 
282.39 
282.55 
282.74 

317.19 
317.28 
3I7.40 
317.55 
317.74 

353.67 
353.76 
353-86 
354-00 
354.17 

391.70 
391.76 
391.85 
391-97 
392.13 

431.32 
43L36 
431-43 
431-53 
431.66 

472.62 
472.64 
472.69 
472.76 

472.87 

515.68 
515-68 
5I5-70 
515.74 
515.81 

30 
31 
32 
33 
34 

249-37 
249.65 
24998 
250.38 
250.86 

282.98 
283.26 
283.61 
284.02 
284.51 

317.97 
318.25 

318.59 
319.OI 

3I9.50 

354-39 
354-67 
355-00 
355-40 
355-89 

392.33 
392.59 
392.90 
393.28 

393-73 

431.84 
432.07 
432.36 
432.70 
433.11 

473-OI 
473-21 

473-45 
473-74 
474.09 

515-93 
516.07 
516.25 
516.48 
516.74 

12 

39 

251-43 
252.07 
252.83 
253-69 
254.67 

285.09 
285.76 
286.53 
287.41 
288.40 

32O.O9 
320.75 
321.52 
322.38 
323.34 

356.46 
357-IO 

357-84 
358.65 
359-55 

394-27 
394.87 
395-54 
396.28 
397.08 

433-58 
434.11 
434-7Q 
435-33 
436.02 

474.48 

474-91 
475.38 
475.89 
476.45 

5I7.03 
517-35 
5I7.70 
518.07 
518.47 

40 

4i 
42 

43 
44 

255-75 
256.94 
258.23 
259.61 
261.09 

289.47 
290.65 
29I.92 
293.28 
294.74 

324.38 

325-5I 
326.73 
328.04 
329.43 

360.52 

361.57 
362.70 

363.91 
365.20 

397.96 
398.90 
399-91 
400. 99 
402.13 

436.77 
437-57 
438.43 
439-34 
440.30 

477.04 

477-68 

478.35 
479.06 
479.82 

518.89 
519-33 
519.80 
520.29 
520.80 

9 

49 

262  68 
264.36 
266.17 
268.10 
270.17 

296.30 
297.97 

299.75 
301.65 
303.70 

33O.92 
332.51 
334-21 
336.04 
338.01 

366.58 
368.05 
369.63 
37L32 
373-15 

403.36 
404.66 
406.07 

407.57 
409.19 

44L33 
442.43 
443.6i 
444.86 
446.22 

480.62 
481.46 
482  36 
483.33 
484.38 

521.33 
521.89 
522.49 
523.12 
523.81 

50 
5i 
52 
53 
54 

272.41 

274.82 
277.41 
280.18 
283.14 

305.9I 
308.30 
310.85 

313.59 
316.52 

340.I3 
342.41 
344.86 
347.50 
350.3I 

375- it 
377.23 
379-51 
381.95 
384.54 

410.93 
412.82 
414.85 
417.01 
419.28 

447.69 
449.28 

450.97 
452.76 
454.64 

485.51 
486.72 
488.01 
489.36 
490.74 

524-55 
525-33 
526.15 
526.97 
527.78 

3 

59 

286.30 
289.66 
293  22 
296.99 
300.96 

319.64 
322.94 
326.45 
330.I5 
334.03 

353.28 
356.43 
359-77 
363.27 
366.96 

387.28 
390.16 
393.20 
396.40 
399-75 

421.68 
424.19 
426.83 
429.59 
432.51 

456.59 
458.62 
460.74 
462.96 
465.39 

492.16 
493.6o 
495.10 
496.74 
498.65 

528.57 
529  34 
530.18 
531-21 
532.59 

60 

305.13 

338.II 

370.82 

403.30 

435.68 

468.17 

501.01 

534-49 

25Yr.End. 


Am.3i* 


Of  Life   Insurance. 

209 

Table  No.  LXIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1 

000  OF 

TWENTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY 

,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

i 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

1  Age. 

1 

20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

560.85 

607.81 

656.81 

707.94 

761.33 

817.IO 

875.37 

936.28 

i  2I 

560.80 

607.74 

656.72 

707.84 

761.23 

817.OO 

875.28 

936.23 

22 

560.74 

607.66 

656.63 

707.74 

761.12 

816.90 

875.20 

936.18 

23 

560.69 

607.59 

656.54 

707.64 

76I.02 

816.79 

875.IO 

936.12 

24 

560.64 

607.52 

656.45 

707.54 

760.9O 

816.68 

875.00 

936.05 

25 

560.60 

607.46 

656.37 

707.43 

760.79 

816.55 

874.90 

935.98 

26 

560.57 

607.40 

656.28 

707.33 

760.66 

816.43 

874.78 

935.90 

27 

560.56 

607.36 

656.21 

707.23 

760.54 

816.29 

874.65 

935.81 

!   28 

560.57 

607.33 

656.15 

707.I3 

760.4I 

816.15 

874.5I 

935.72 

i  29 

560.60 

607.32 

656.O9 

707.O3 

760.28 

815.99 

874.36 

935-61 

If 

f,6o  66 

607.34 

656.05 

706.93 

760.13 

815.82 

874.I9 

935.50 

i  31 

560.76 

607.37 

656.OI 

706.82 

759-97 

815.62 

874.OI 

935-37 

!  32 

560.88 

607.40 

655-97 

706.71 

759-79 

815  41 

873-80 

935-22 

i  33 

561.02 

607.45 

655.92 

706.58 

759-59 

815.17 

873.57 

935-o6 

J34 

-,61.18 

607.51 

655  88 

706.43 

759-37 

814.91 

873.31 

934-88 

35 

561.36 

607.57 

655.82 

706.27 

759-12 

814.61 

873.02 

934-68 

!36 

561.55 

607.63 

655.75 

706.08 

758.84 

814.27 

872  69 

934.46 

12 

561.76 

607.69 

655  67 

705.87 

758.52 

8I3-90 

872  33 

934.20 

561.97 

607.75 

655.56 

705.62 

758.16 

813.48 

871.92 

933-92 

39 

562.20 

607.80 

655-44 

705.34 

757-75 

813.OO 

871.46 

933.6i 

40 

562.43 

607.84 

655  29 

705.01 

757-30 

812.47 

870.95 

933-25 

41 

562.67 

667.87 

655.11 

704.65 

756.78 

8H.87 

870.38 

932.86 

!  42 

562.92 

607.88 

654.89 

704  22 

756.19 

8II.20 

869.74 

932.42 

43 

563-16 

607.87 

65463 

703.74 

755-53 

810.45 

869.02 

931.92 

44 

563-4I 

607.83 

654-33 

7O3.I9 

754-79 

809.60 

868.22 

931-37 

45 

563.65 

607.78 

653.98 

702.58 

753-97 

808.67 

867.32 

930.75 

46 

563.90 

607.70 

653.59 

7OI.89 

753.04 

807.62 

866.32 

930.06 

47 

564.16 

607.62 

653.14 

70I.I2 

752.02 

806.46 

865.22 

929.30 

48 

564.43 

607.50 

652.64 

700.27 

750.89 

805.17 

863.98 

928.44 

49 

564.72 

607.37 

652.09 

699.32 

749.62 

803.73 

862.61 

927.50 

50 

565.02 

607.20 

651.46 

698.25 

748.21 

802.13 

861.09 

926.45 

5i 

565.33 

607.OO 

650.73 

697.05 

746.61 

800.34 

859-40 

925.30 

52 

565.61 

606.71 

649.88 

695.66 

744.83 

798.37 

857.55 

924.03 

53 

565.85 

606.33 

648.87 

694.II 

742.86 

796.21 

855.52 

922.63 

54 

566  02 

605.82 

647.72 

692.39 

740.73 

793.88 

853.32 

921.09 

55 

566.12 

605.23 

646.48 

690.50 

738.49 

791.40 

850.96 

919.41 

56 

566.20 

604.63 

645-23 

688.76 

736.19 

788.81 

848.42 

917.57 

57 

566.37 

604.14 

644.10 

687.02 

733-91 

786.16 

845.76 

915  56 

58 

566.78 

603.91 

643.23 

685.49 

731-74 

783-5I 

842.92 

913.36 

59 

567.59 

604. 1 1 

642.74 

684.25 

729.77 

780.81 

839.91 

910.95 

60 

568.97 

604.88 

642.76 

683.43 

727.92 

778.08 

836.73 

908.33 

Am.  31* 


30Yr.End 


2IO 

Principles  and   Practice 

Table  No. 

LXIII. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY  YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY 

,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Agh. 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

17  36 

35-42 

54-20 

73.76 

94.II 

II5.29 

137.34 

160.29 

22 

17.38 

35-45 

54.26 

73-83 

94.21 

115-41 

137.47 

160.44 

22 

17.40 

35-50 

54-33 

73-93 

94-32 

H5-54 

137.62 

160.60 

23 

17-43 

35.56 

54.42 

74.05 

94.46 

"5-  71 

137.81 

l6o.8l 

24 

17.46 

35.63 

5452 

74.18 

94.63 

115.90 

138.02 

161.05 

a 

I7.5I 

35.71 

54-64 

74-34 

94.82 

116. 12 

I38.28 

161.33 

17.55 

35.8o 

54.78 

7451 

95-03 

116.37 

138.57 

161.65 

3 

17.60 

35-91 

54-93 

74-72 

95.29 

116.68 

138.91 

162.03 

17.67 

36.03 

55-12 

74.96 

95.59 

117.02 

I39-30 

162.47 

29 

17.74 

36.17 

55-33 

75.24 

95 -92 

117.42 

139.76 

162.98 

30 

17.82 

36.33 

55-57 

75-55 

96.31 

117.88 

140.29 

163.57 

31 

17.92 

36.53 

55.85 

75.92 

96.77 

118.42 

I40.9O 

164.24 

32 

18.02 

36.73 

56.16 

76.34 

97.28 

119.02 

I4I-59 

165.OI 

33 

18.14 

36.97 

56.52 

76.81 

97.86 

II9-7I 

142.37 

165.89 

34 

18.28 

37-25 

56.93 

77.36 

98.53 

120.49 

143-27 

166.89 

35 

18.45 

37-57 

57.40 

77-97 

99.28 

121.38 

144.29 

168.03 

36 

J8.61 

37-92 

57-92 

78.65 

100.12 

122.38 

145-44 

169.32 

37 

18.82 

38.31 

58.50 

79.42 

101.08 

123.51 

146.74 

170.78 

38 

19.04 

38.75 

59.16 

80.29 

102.16 

124.79 

148.20 

I72.4I 

39 

19.29 

39-25 

59-91 

81.27 

103.38 

126.23 

I49.85 

I74.23 

40 

19-57 

39.81 

60.74 

82.38 

104.73 

127.83 

151.67 

176.26 

4i 

19.89 

40.44 

61.68 

83.61 

106.26 

129.61 

153.68 

178.48 

42 

20.24 

41.15 

62.72 

84  98 

107.92 

131-56 

155.89 

180.89 

43 

20.63 

41.92 

63.86 

86.47 

109.75 

133-69 

158.27 

183.49 

44 

21.06 

42-77 

65.11 

88.10 

in. 73 

135.97 

160.83 

186.28 

fl 

21-54 

43.69 

66.47 

89.87 

113.86 

138.43 

163.57 

189.27 

22.03 

44-68 

67.93 

9L74 

116.11 

141.03 

166.48 

I92.46 

% 

22.59 

45-75 

69.47 

93-73 

118.51 

143.80 

169.58 

195.84 

23.17 

46.88 

71.10 

95.83 

121.04 

146.73 

172.86 

199.44 

49 

23.77 

48.05 

72.81 

98.05 

123.73 

149.83 

176.34 

203.23 

SO 

24.41 

49.29 

74-63 

100.40 

126.57 

153.12 

180.03 

207.27 

5i 

25.08 

50.61 

76.56 

102.89 

129  59 

156.61 

183.94 

211-55 

52 

25.80 

52.02 

78.60 

I05.54 

132.78 

160.31 

188.09 

216.09 

53 

26.56 

53-50 

80.77 

108.33 

136.16 

164.22 

192.48 

220.88 

54 

27.37 

55-07 

83.05 

in. 28 

139.73 

168.35 

I97.IO 

225.92 

55 

28.22 

56.71 

85.45 

"439 

143.48 

172.69 

201.95 

231.22 

30Yr.End. 


Am.3 


Op  IyiFE 

INSURANCE. 

211 

Table  No.  LXIII. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-YEAR  EN- 

DOWMENT POLICIES  BY 

EQUAL  ANNUAL 

PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE. 

THREE  AND  ONE  HALF 

PER  CENT. 

Age. 

9  th 

loth 

11th 

lath 

13th 

14th 

lHh 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

184.19 

209.06 

234.96 

261.93 

29O.OI 

3I9-25 

349-71 

21 

184.34 

209  22 

235-13 

262.IO 

290.18 

319.42 

349.87 

22 

184.52 

209.42 

235.33 

262.30 

290.38 

319.63 

350.07 

23 

184.74 

209.65 

235-57 

262.55 

290.64 

319.88 

350.32 

24 

185.OO 

209.93 

235.86 

262.85 

290.94 

320.I8 

350.6I   , 

25 

I85.3I 

210.25 

236.20 

263.20 

291.30 

320.54 

350.96 ; 

26 

185.65 

210.63 

236.60 

263.62 

291.72 

320.96 

351.37 

2l 

186.07 

2II.07 

237.07 

264.  IO 

292.21 

321.45 

351.87 

28 

186.55 

211.59 

237.61 

264.66 

292.79 

322.03 

352.45 

29 

187. II 

2I2.I8 

238.24 

265.31 

293.46 

322.72 

353.14          j 

30 

187.75 

212.87 

238.96 

266.07 

294.24 

323.52 

353-94 

31 

188.49 

213.66 

239.80 

266.95 

295.16 

324.45 

354-88 

32 

189.32 

214.56 

240.77 

267.97 

296.20 

325-5I 

355-93 

33 

190.29 

215.60 

241.88 

269.12 

297.40 

326.73 

357.14 

34 

i9x-39 

2l6.8o 

243-14 

270.45 

298.76 

328.IO 

358.51     ; 

35 

192.65 

2I8.I5 

244.58 

271.95 

300.29 

329-64 

360.02 

36 

194.06 

219.67 

246.18 

273.61 

302.OO 

331-34 

361.67 

32 

195.66 

22I.38 

247.99 

275.48 

303. 83 

333-21 

363.49 

38 

197-43 

223.29 

249.98 

277-53 

305-94 

335-25 

365.48 

39 

199.42 

225.4O 

252.18 

279.77 

308.19 

337-47 

367.65 

40 

201.61 

227.70 

254.57 

282.21 

310.64 

339-9° 

370.00 

4i 

203.99 

23O.2I 

257-17 

284.86 

3I3-3I 

342.53 

372.56 

42 

206.57 

232.93 

259.98 

287.72 

316.18 

345-37 

375-32 

43 

209.35 

235.86 

263.OO 

290.80 

319.28 

348.43 

378.30 

44 

212  34 

238.99 

266.25 

294.12 

322.60 

35L72 

381.50 

4I 

215-54 

242.36 

269.74 

.297.67 

326.17 

355.25 

384.94 

46 

218.94 

245.95 

273.45 

301.45 

329.98 

359.02 

388.61 

47 

222.57 

249.76 

277.40 

305-50 

334-04 

36304 

392.52 

48 

226.42 

253-81 

281.61 

309.79 

338.35 

367-31 

396.68 

49 

230.49 

258.II 

286.06 

314.33 

342.92 

371.83 

401.08 

50 

234-83 

262.67 

290.79 

3I9-I5 

347-77 

376.63 

405.75 

5i 

239.41 

267.50 

295-79 

324.25 

352.89 

381.71 

410.68 

52 

244.27 

272.61 

301.08 

329.66 

358.33 

387-07 

415.88 

53 

249.40 

278.OI 

306.67 

335.36 

364-05 

392.71 

421.35 

54 

254.80 

283.69 

312.56 

341-35 

370.06 

398.64 

427.09 

55 

260.47 

289.66 

318.73 

347.63 
f 

376.35 

404.83 

433-08 

Am.  35* 


30Yr.End 


212 

Principles 

and   Practice 

Table  No.  LXIIL— Continued. 

TERMINAL 

NET  VALUES  PER  $1000 

OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE, 

THREE  AND  ONE-HALF 

PER  CENT. 

16th 

17th 

18th 

19th 

20th 

21  8t 

22d 

Age. 

20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

381.44 

4I4.50 

448.94 

484.84 

522.25 

561.26 

601.95 

21 

38I-59 

414.64 

449.06 

484.93 

522.32 

561.30 

601.96 

22 

381.79 

414.81 

449.21 

485.06 

522.42 

561.38 

602.OI 

23 

382.02 

4I5.02 

449.40 

485.23 

522.56 

561.49 

602.08 

24 

382.30 

415.28 

449  65 

485.44 

522.75 

561.63 

602.18   | 

11 

382.63 

4I5.60 

449.94 

485.71 

522.98 

561.82 

602.32   | 

383.03 

4I5.99 

450.3I 

486  04 

523  27 

562.06 

602.50  j 

11 

383.52 

416.46 

450.75 

486.45 

523  62 

562.35 

602.72   1 

384.IO 

417.02 

45L28 

486.92 

524.04 

562.70 

602.98   1 

29 

384.78 

417.67 

451.89 

487.48 

524.53 

563.IO 

603.27 

30 

385.57 

418.44 

452.61 

488.14 

525.09 

563.55 

603.60 

3i 

386.48 

4I9.3I 

453-43 

488.87 

525.72 

564-05 

603.98 

32 

387.52 

420.31 

454.34 

489.69 

526.41 

564.61 

604.39 

33 

388.69 

421.42 

455.36 

490.59 

527.18 

565.23 

604  84 

34 

39O.OI 

422.65 

456.49 

49^59 

528.03 

565.91 

605.34 

35 

391.46 

424.OI 

457-73 

492.69 

528.96 

566.65 

605.88 

36 

393.04 

425-49 

459-o8 

493-88 

529.98 

567.46 

606.46  1 

U 

394.78 

427.12 

460.57 

495- 19 

53I.08 

568.34 

607.IO 

396.68 

428.89 

462.18 

496.61 

532.28 

569.29 

607.79 

39 

398.75 

430.83 

463  94 

498.16 

533-59 

570.34 

608.54 

40 

401.OO 

432.92 

465.85 

499.85 

535  01 

57L47 

609.35 

4i 

403.43 

435-20 

467.92 

501.68 

536.56 

572.69 

610.24 

42 

406.07 

437.66 

470.17 

503  66 

538.23 

574.02 

6II.20 

43 

408.9I 

440.32 

472.59 

505.79 

540.04 

575-46 

612.24 

44 

4U.97 

443-18 

475-20 

508.09 

54L99 

577.02 

613.35 

9 

415.26 

446.26 

478.00 

510.57 

544.09 

578.68 

614.55 

418.77 

449-54 

481.00 

513  22 

546.32 

580.45 

615.80 

% 

422.51 

453-04 

484.19 

516.04 

548.69 

582.30 

617.09 

426.48 

456.76 

487.57 

519.00 

551.17 

584  22 

618.40 

49 

430.69 

460.69 

491.13 

522.12 

553.75 

586.20 

619.71 

50 

435.14 

464.83 

494.88 

525.37 

556.44 

588.24 

621.03 

5i 

439-83 

469.19 

498.81 

528.78 

559-22 

590.33 

622.41 

52 

444-77 

473-77 

502.93 

532.34 

562.14 

592.56 

623.95 

53 

449.96 

478.58 

5"7-25 

536.08 

565.26 

595.04 

625.77 

54 

455-41 

483.62 

511.80 

540.09 

568.70 

597.90 

628.OI 

55 

461.10 

488.92 

516.65 

544.48 

572.60 

60I.28 

630.82 

30Yr.End. 


Am.  35* 


Of  Life 

Insurance. 

213 

Table  No.  LXIIL—  Concluded. 

TERMINAL  NET  VALUES  PER  $1000 

OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL  ANNUAL 

PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF 

PER  CENT. 

i 

Age. 
20 

23d 

24th 

25th 

26th 

27th 

2*th 

29rh    ! 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

644.40 

688.70 

734-97 

783.30 

833.82 

886.67 

942.OO 

21 

644.39 

688.66 

734.90 

783.21 

833.72 

886.58 

941.94  ; 

22 

644.39 

688.64 

734.84 

783.13 

833.62 

886.48 

941.87  : 

23 

644.43 

688.63 

734-79 

783.04 

833.51 

S86.37 

941.79  | 

24 

644.48 

688.64 

734-75 

782.96 

833.40 

886.25 

Q4I-7I   ! 

25 

644- 57 

688.66 

734.72 

782.87 

833.28 

886.12 

941.61   j 

26 

644.68 

688.70 

734-68 

782.78 

833.15 

885.98 

941-51    1 

27 

644. 8 1 

688.75 

734.65 

782.68 

833.OO 

885.82 

941.40  | 

28 

644.98 

688.81 

734.62 

782.57 

832.84 

885.65 

941.27 

29 

645.16 

688.88 

734.59 

782.45 

832.66 

885.46 

941-13 

30 

645.37 

688.97 

734-56 

782.32 

832.47 

885.25 

940.97 

31 

645.60 

689.06 

734.52 

782.17 

832.25 

885.01 

940.80 

!  32 

645.86 

689.16 

734.48 

782.OI 

832.OO 

884.75 

940.60  , 

33 

646.13 

689.27 

734-43 

78l  83 

831.73 

884.45 

940.39  ! 

i  34 

646.44 

689.39 

734-37 

781.62 

831.43 

884.13 

940.15 

3 

646.77 

689.51 

734.30 

781.39 

831.09 

883.76 

939-88 

647.13 

689.64 

734-22 

781.13 

830.70 

883.36 

939-58 

12 

647.51 

689.77 

734-12 

780.83 

830.28 

882.90 

939-25 

647.93 

689.91 

734.00 

780.50 

829.81 

882.40 

938.88 

39 

648.38 

690.06 

733.87 

780.14 

829.29 

881.84 

938.46 

40 

648.86 

690.22 

733-73 

779-74 

828.71 

881.22 

938.00 

4i 

649.39 

690  40 

733-56 

779  29 

828.06 

880.53 

937-49 

42 

649.96 

690.58 

733.38 

778.79 

827.35 

879.76 

936.93 

43 

650.58 

690.77 

733-16 

778.23 

826.55 

878.91 

936.30 

44 

651.23 

690.96 

732.91 

777.60 

825.66 

877.96 

935.6o 

8 

65L93 

691.14 

732.61 

776.88 

824.66 

876.90 

934-83 

652.63 

691.29 

732.22 

776.04 

823.53 

875.73 

933-97 

47 

653.32 

691.37 

731-73 

775-07 

822.26 

874-43 

933.03 

48 

653.98 

691.37 

731.13 

773-99 

820.88 

873-01 

93L99 

49 

654.59 

691.31 

730.45 

772.81 

819.38 

871.47 

930.86 

50 

655.20 

691.22 

729.75 

77L59 

817.80 

869.82 

929.61 

5i 

655.86 

691.20 

729.09 

770.37 

816.18 

868.06 

928.25 

52 

656.70 

691.35 

728.58 

769.24 

814.55 

866.24 

926.77 

53 

657.84 

691.80 

728.31 

768.27 

812.99 

864.31 

925.15 

54 

659-43 

692.66 

728.37 

767.53 

811.44 

862.28 

923.40 

55 

661.57 

694.02 

728.85 

766.96 

809.92 

860.16 

921.49 

Am.3i* 


35Yr.End 


214 

Principles 

and   Practice 

Table  No.  LXIV. 

TERMINAL  NET  VALUES  PER  $1000 

OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Agk. 
20 

1st 

2d 

3d 

4th 

ftth 

6th 

7  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

I3-36 

27.25 

41.69 

56.70 

72.31 

88.55 

105.44 

21 

13.40 

27.33 

41.80 

56.86 

72.52 

88.79 

105  72 

22 

13  44 

27.42 

41.94 

57-05 

72.75 

89.08 

106.05 

23 

I3-50 

27.53 

42.II 

57-27 

73-02 

89  40 

106.42 

24 

13-56 

27.66 

42.30 

57.52 

73-34 

89.78 

106.86 

3 

13.64 

27.80 

42.52 

57.81 

73.70 

90. 20 

I07-35 

13.72 

27.96 

42.76 

58.13 

74.10 

90.69 

IO7.92 

II 

I3-8I 

28.15 

43-04 

58.51 

74  57 

91  25 

108  56 

13.92 

28.36 

43.36 

58.93 

75-io 

gi.Srf 

IO9.29 

29 

14.03 

28.60 

43-72 

59.41 

75.69 

92.59 

IIO.I2 

30 

14.17 

28.87 

44-13 

59-95 

76.36 

93-40 

III.07 

31 

14.32 

29.18 

44.58 

60.56 

77-14 

94.31 

112. 13 

32 

14- 50 

29.52 

45-09 

61.25 

77-99 

95-34 

113-31 

33 

14.68 

29.90 

45.67 

62.02 

78.95 

96.48 

II4.64 

34 

14.90 

30.34 

46.32 

62.89 

80.03 

97-77 

II6.I3 

35 

15.14 

30.82 

47-05 

63.85 

81.23 

99.20 

117  80 

36 

15.40 

31.35 

47.85 

64.91 

82.55 

IOO.80 

II9.66 

37 

15.71 

31-95 

48  74 

66  10 

84.04 

I02.57 

121.72 

38 

16.03 

32.60 

49.72 

67.41 

85.68 

IO4.54 

I24.OO 

39 

16.39 

33-33 

50.81 

68.87 

87.51 

IO6.72 

I26.53 

40 

16.79 

34-13 

52.02 

70.49 

89.51 

IO9.I2 

129.29 

4i 

17.24 

35-02 

53-36 

72.26 

91.72 

ni-73 

132.30 

42 

17.72 

36  00 

54-81 

74- 19 

94.11 

114.57 

135.55 

43 

18.26 

37-05 

56  39 

76.27 

96.68 

117.61 

I39.O3 

44 

18.83 

38.19 

58.09 

78.51 

99  44 

120.85 

I42.71 

% 

19-45 

3942 

59-91 

80.90 

102.37 

124.28 

I46.61 

20  10 

40-73 

61.84 

83.42 

10545 

127  88 

150.72 

tl 

20.81 

42.11 

63.87 

86.07 

108.68 

131.68 

155.04 

21.54 

43-55 

65  99 

88.83 

112.06 

135.65 

15957 

49 

22.31 

45-05 

68.19 

91-73 

115. 61 

139.82 

I64  31 

So 

[ 

23.10 

46.62 

70.51 

94.76 

119-32 

144.18 

I69.26 

35Yr.End. 


Am.3i* 


Of    Life 

Insurance. 

215 

Table  No.  LXIV. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILI 

,  MATURITY,  AMERICAN  EXPERIENCE, 
THREE  AND  ONE-HALF  PER  CENT. 

8th 

9th 

lOth 

ltth 

12th 

13th 

14th 

Age. 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

123.01 

141.27 

160.27 

180.03 

200.59 

221.98 

244.22 

21 

123  32 

141.62 

160.66 

180.45 

201.04 

222.44 

244.71 

22 

123.69 

142.03 

l6l.II 

180.94 

201.56 

222.99 

245.29 

23 

124.12 

142.51 

161.63 

181.50 

202.l6 

223.63 

245.96 

24 

124.61 

143.06 

162.23 

182.15 

202.85 

224.37 

246.73 

2| 

I25.I8 

143.68 

162.91 

182.89 

203.65 

225.22 

247.61 

26 

125.81 

144-39 

163.70 

183.74 

204.56 

226.17 

248.62 

27 

126.54 

145.21 

164.59 

184.71 

205.60 

227.28 

249.77 

28 

127-37 

146.14 

165.61 

185.82 

206.78 

228.53 

251.09 

29 

128.31 

147.19 

166.76 

187.06 

208.II 

229.95 

252.60 

30 

129.39 

148.38 

168.07 

188.48 

209  63 

23L57 

254-30 

31 

130.58 

149.72 

169.53 

190.07 

211-35 

233.40 

256.23 

32 

I3I-93 

151. 21 

171. 19 

191.87 

213.29 

235-45 

258.39 

33 

133-44 

I52.9O 

173.04 

193.89 

2T5-45 

237-75 

260.80 

34 

135-14 

I54-80 

175.13 

196.15 

217.88 

240.32 

263.48 

35 

I37.03 

156.92 

177-45 

198.68 

220.57 

243.17 

266.46 

36 

139-14 

159.26 

180.04 

201.46 

223.55 

246.30 

269.70 

37 

141  48 

l6l.88 

182.89 

204.54 

226.82 

249.72 

273.25 

38 

144.07 

164.74 

186.03 

207.91 

230.39 

253-45 

277.00 

39 

146.92 

I67.9O 

189.46 

211.58 

234.26 

257-49 

281.26 

40 

150.03 

171-34 

I93-T8 

215-55 

238.44 

261.84 

285.76 

4i 

153.42 

175-05 

197.18 

219.81 

242.93 

266.52 

290.58 

42 

I57-04 

179.02 

201.47 

224.37 

247.73 

271.52 

295-73 

43 

160.91 

I83-25 

206.02 

229.23 

252.83 

276.84 

301.21 

44 

165.01 

187.74 

210.86 

234-37 

258.25 

282.46 

307.01 

4§ 

169.35 

I92.48 

215.98 

239.81 

263.97 

288.42 

3I3-15 

46 

173.93 

I97.48 

221.37 

245-54 

269.99 

294.69 

319.62 

47 

178.74 

202.75 

227.03 

251.56 

276.33 

301.29 

326.41 

48 

183.78 

208.26 

232.96 

257-88 

282.97 

308.19 

333.52 

49 

189.06 

214.03 

239.19 

264.50 

289.92 

3I5.42 

340.95 

50 

194.57 

220.06 

245.68 

271.40 

297.17 

322.95 

348.72 

Am.£* 


35Yr.End 


216 

Principles 

and  Practice 

1 

Table  No.  LXIV.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  PA 

r  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

' 

rHREE 

AND  ONE-HALF 

PER  CENT. 

Age. 

15th 

16th 

17th 

lHth 

19th 

20th 

2l8t 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

267.36 

291.43 

316  48 

342-55 

369.67 

397.90 

427.28 

21 

267.87 

291.96 

317.02 

343-08 

370.20 

398.41 

427.77 

22 

268.47 

292.57 

3I7.64 

343-71 

370.82 

399.02 

428.37 

23 

269.16 

293.28 

318.36 

344-43 

37L54 

399-74 

429.08 

24 

269.96 

294.11 

3I9.I9 

345-28 

372.39 

400.58 

429.90 

25 

270.88 

295.05 

320.  t6 

346.26 

373-38 

401.56 

430.85 

20 

271  93 

2q6.i3 

321.27 

347-39 

374-51 

402.68 

43L94 

27 

273.13 

297.38 

322.55 

348.68 

375.81 

403.96 

433-19 

28 

274-51 

298.81 

324  01 

350.17 

377-29 

405.42 

434.60 

29 

276.08 

300.43 

32567 

35I-84 

378.96 

407.06 

436.18 

30 

277.86 

302.27 

327-54 

353-73 

380.83 

408.89 

437-93 

31 

279.86 

304- 33 

329.64 

355.84 

382.92 

410.91 

439-86 

32 

282.II 

306.63 

33198 

358.17 

385-21 

413.13 

441.98 

33 

284.61 

309.20 

334-57 

360.74 

387.73 

415-57 

444-32 

34 

287.39 

312.02 

337.40 

363-56 

390.49 

418.26 

446.87 

$ 

290.43 

315-12 

340.51 

366.64 

393.52 

421.18 

449.65 

293.76 

318.49 

343.89 

370.00 

396.80 

424.36 

452.68 

37 

297.39 

322.16 

347.58 

373-65 

400.38 

427.82 

455.98 

38 

301.33 

326.15 

351.57 

377.60 

404.26 

431.56 

459-56 

39 

305.59 

330.46 

355-89 

381.88 

408.45 

435.62 

463.43 

40 

3IO.I8 

335- 10 

360.54 

386.48 

412.97 

439-99 

467.60 

4i 

SIS-" 

340.09 

,  365-52 

39*-43 

417.81 

444.69 

472.08 

42 

320.36 

345-40 

370.85 

396.71 

422.99 

449.69 

476.85 

43 

325.95 

35i.o6 

376.52 

402.32 

428.48 

455-OI 

481.93 

44 

331.88 

357.05 

382.52 

408.26 

434-30 

460.64 

487.30 

45 

338.15 

363-38 

388.85 

414-53 

440.44 

466.58 

492.96 

46 

344-74 

370.04 

395-51 

421.13 

446.90 

472.82 

498.90 

47 

351.66 

377.04 

402.51 

428.06 

453.68 

479.36 

505-12 

48 

358  92 

384.37 

409.84 

435-31 

460.77 

486.20 

511.60 

49 

366.50 

392-03 

4I7.50 

442.88 

468.16 

493.32 

518.37 

50 

374.42 

400.02 

1        • 

425.47 

450.76 

1 

475.85 

500.73 

525.40 

35Yr.End. 


Am.32* 


Of   L-ifk 

Insurance. 

217 

Table  No. 

LXIV .—Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT. 

Age. 

22d 

23d 

24th 

25th 

26th 

27th 

28th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

457-86 

489.72 

522.9O 

557-47 

593.51 

631.08 

670.27 

21 

458.34 

490.17 

523.3I 

557-84 

593-82 

631.32 

670.44 

22 

458.92 

490.70 

523-8I 

55828 

594-19 

631.62 

670.66 

23 

459-59 

491-35 

524.39 

558.8o 

594-63 

631.97 

670.90 

24 

460.38 

492.08 

525.07 

559-4Q 

595-14 

632.37 

671.18 

25 

461.30 

492-95 

525.86 

560.09 

595-71 

632.82 

671.50 

26 

462.34 

493-93 

526.74 

560.86 

596.36 

633.32 

671.86 

27 

463.53 

495-03 

527-74 

561.73 

597.08 

633.89 

672.26 

28 

464.87 

496.26 

528.84 

562.69 

597.88 

634.51 

672.71 

29 

466.35 

497-63 

530.07 

563.76 

598-77 

635.21 

673.20 

30 

467.99 

499.14 

531-43 

564.93 

599-75 

635.97 

673.74 

31 

469.80 

500.81 

532.92 

566.23 

600.82 

636.81 

674.35 

32 

47I.80 

502.64 

534-56 

567.65 

602.00 

637.74 

675.OO 

33 

473.98 

504.64 

536.36 

569.21 

603.30 

638.75 

675.72 

34 

476.38 

506.84 

538.32 

570.92 

604.72 

639.87 

676.51 

35 

478.99 

509.23 

540.47 

572.78 

606.27 

641.08 

677.38 

36 

481.82 

511.85 

542.81 

574.82 

607.97 

642.41 

678.33 

37 

484.92 

514.69 

545-37 

577.04 

609.82 

643.87 

679.38 

38 

488.28 

517.78 

548.14 

579-45 

611.84 

645.46 

680.52 

39 

491. 91 

521.12 

551.14 

582.07 

614.03 

647.19 

681.76 

40 

495.82 

524.73 

554-38 

584.90 

616.40 

649.05 

683.08 

4i 

500.03 

528.60 

557.87 

587.93 

618.93 

651.04 

684.49 

42 

504.51 

532.73 

561.58 

591.16 

621.61 

653.12 

685.95 

43 

509.28 

537-11 

565.50 

594-56 

624.42 

655.29 

687.43 

44 

5I4.3I 

54L73 

569.64 

598.12 

627.35 

657.53 

688.94 

9 

519-61 

546.59 

573.96 

601.84 

630.39 

659.83 

69O.49 

525.16 

551.66 

578.46 

605.70 

633.53 

662.23 

692.I5 

47 

530.96 

556.95 

583.16 

609.72 

636.84 

664.82 

694.01 

48 

537-OI 

562.47 

588.07 

613.98 

640.42 

667.70 

696.19 

49 

543-32 

568.25 

593.26 

618.56 

644.39 

671.OI 

698.80 

50 

549.90 

574-33 

598.83 

623.60 

648.86 

674.87 

701.95 

Am.31* 


35Yr.End 


218 

Principles  ant 

>   Practice 

Table  No.  LXIV.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE 

THREE  AND  ONE-HALF  PER  CENT. 

29th 

30th 

31st 

32d 

33d 

34th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

711. 18 

753.90 

798.57 

845-34 

894.36 

945.84 

21 

711.27 

753.92 

798-53 

845.24 

894.25 

945.75 

22 

7H-39 

753.96 

798.49 

845.I5 

894.13 

945-66 

23 

711.54 

754.OO 

798.45 

845.05 

894.OO 

945.56 

24 

711.70 

754.06 

798.41 

844.94 

893.86 

945-45 

a 

711.89 

754.12 

798.36 

844.81 

893.70 

945.32 

712.10 

754- 20 

798.32 

844.68 

893.53 

945.19 

3 

712.34 

754.28 

798.26 

844.53 

893-34 

945-03 

712.60 

754-37 

798.21 

844-37 

893.13 

944. 86 

29 

712.90 

754.48 

798  15 

844.19 

892.90 

944.68 

30 

713.22 

754-59 

798.09 

843-99 

892.64 

944.47 

31 

713.58 

754-72 

798.OI 

843.76 

892.35 

944-24 

32 

713.97 

754-85 

797-93 

843.52 

892.04 

943-99 

33 

714.39 

755-00 

797.83 

843.25 

891.68 

943-7Q 

34 

714.86 

755.17 

797.74 

842.95 

891.30 

943-39 

$ 

715.38 

755-36 

797.63 

842.62 

890.87 

943.04 

715.95 

755-56 

797.51 

842.26 

890.39 

942.65 

11 

716.58 

755.78 

797.38 

841.86 

889.87 

942.23 

717.26 

756.03 

797-23 

841.41 

889.29 

941-75 

39 

718.01 

756.29 

797.06 

840.92 

888.64 

94L23 

40 

718.79 

756.55 

796.85 

840.35 

887.92 

940  66 

41 

719.60 

756.78 

796.58 

839.71 

887.12 

940.03 

42 
43 

720.41 

756.98 

796.24 

838.99 

886.25 

939-33 

721.21 

757-13 

795.84 

838.19 

885.29 

938.57 

44 

722.00 

757.26 

795-40 

.837.34 

884.25 

93773 

0 

722.83 

757-41 

794-97 

836.45 

883.15 

936.82 

723.76 

757.65 

794.59 

835.56 

881.97 

935-82 

47 

724.90 

758.07 

794-32 

834.71 

880.77 

934.73 

48 

726.34 

758.76 

794.24 

833-95 

879.5I 

933-54 

49 

72S.19 

759-78 

794.40 

833-24 

878.20 

932.25 

50 

730.53 

761.21 

794-77 

832.60 

876.84 

930.85 

Ann.Prem. 


Am.3^ 


Of  Life  Insurance 


219 


Table  No. 

LXV. 

NET  ANNUAL  PREMIUMS 

81000,  AMERICAN  EXPERI- 

ENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

9  Payment 

14  Payment 

19  Payment 
Life. 

Endowment 

Endowment 

Endowment 

Life. 

Life. 

9  Years. 

14  Years. 

19  Years. 

20 

37-29 

26.43 

21.41 

97.02 

58.94 

41.32 

21 

37-87 

26.85 

21.76 

97.05 

58.98 

41.36 

22 

38.48 

27.29 

22.11 

97.08 

59.OI 

41.40 

23 

39-n 

27.74 

22.48 

97-11 

59.05 

41.45 

24 

39.76 

28.21 

22.87 

97.14 

59.09 

41.50 

25 

40.44 

28.70 

23.27 

97.17 

59.13 

41.55 

26 

41.14 

29.20 

23.68 

97-21 

59.18 

41.61 

27 

41.87 

29.72 

24.12 

97.25 

59-22 

41.67 

28 

42.62 

30.27 

24-57 

97.29 

59.28 

41.74 

29 

43-41 

30.83 

25.03 

97.34 

59.34 

41.82 

30 

44.22 

31.42 

25-52 

97.38 

59.40 

41.90 

31 

45.06 

32.02 

26.02 

97-44 

59-47 

41.99 

32 

45-93 

32.66 

26.55 

97-49 

59-55 

42.09 

33 

46.83 

33-3i 

27.10 

97-56 

59.63 

42.21 

34 

47.76 

33-99 

27.67 

97-63 

59-73 

42.33 

35 

48.74 

34.7o 

28.27 

97-7o 

59.83 

42.47 

3<5 

49-74 

35-44 

28.89 

97-79 

59-95 

42.63 

37 

50.78 

36.20 

29-54 

97-88 

60.07 

42.80 

38 

51.86 

37.00 

30.23 

97-99 

60.22 

43.OO 

39 

52.98 

37.83 

30.94 

98.10 

60.38 

43-22 

40 

54-14 

38.70 

31.69 

98.23 

60.56 

43.47 

4i 

55-35 

39-6o 

32.47 

98.37 

60.76 

43-75 

42 

56.60 

40.54 

33.30 

98.53 

60.99 

44.06 

43 

57.89 

41.52 

34.17 

98.72 

61.25 

44-42 

44 

59-24 

42.56 

35-09 

98.93 

61.54 

44.82 

45 

60.64 

43-64 

36.06 

99.16 

61.88 

45.26 

46 

62.09 

44-77 

37-09 

99-43 

62.25 

45-77 

47 

63.61 

45.96 

38.17 

99-74 

62.68 

46.34 

48 

65.18 

47.20 

39.32 

100.09 

63.16 

46.97 

49 

66.82 

48.52 

40.55 

100.49 

63.70 

47.68 

5o 

68.52 

49.89 

41.84 

100.93 

64.30 

48.47 

5i 

70.28 

51-34 

43.22 

101.43 

64.98 

49-35 

52 

72.12 

52.86 

44.69 

101 .99 

65.73 

5o.33 

53 

74.02 

54-47 

46.25 

102.61 

66-57 

51.42 

54 

76.00 

56.16 

47.91 

103.30 

67.50 

52.62 

55 

78.06 

57.95 

49.69 

104.06 

68.53 

53.96 

56 

80.21 

59.84 

5I.6o 

104.92 

69.68 

55-43 

57 

82.45 

61.84 

53.64 

105.87 

70.96 

57.06 

58 

84.78 

63-97 

55.83 

106.93 

72.38 

58.86 

59 

87.23 

66.24 

58.18 

108.10 

73.96 

60.85 

60 

89.79 

68.66 

60.72 

109.41 

75-71 

63.03 

61 

92.48 

71-25 

63.44 

110.86 

77.64 

65-43 

62 

95.31 

74.02 

66.38 

112.47 

79-79 

68.07 

63 

98.29 

76.98 

69.55 

114.25 

82.15 

70.96 

64 

101.45 

80.17 

72.98 

116.24 

84.76 

74.14 

65 

104.79 

83.59 

76.69 

118.44 

87.64 

77.62 

66 

108.33 

87.27 

80.71 

120.88 

90.79 

81.43 

67 

112.09 

91.23 

85-05 

123.56 

94.27 

85.60 

68 

116.08 

95-49 

89.76 

126.52 

98.08 

90.16 

69 

120.32 

100.10 

94.85 

129.75 

102.26 

95-13 

70 

124.82 

105 .08 

IOO.37 

133-28 

106.85 

100.55 

Am.3i* 


9Pay.L 


Principles  and  Practice 


Table  No.  LXVI. 

TERMINAL  NET  VALUES  PER  $1,000  OF  WHOLE   LIFE   POLI- 
CIES BY  NINE  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 
EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 


Age. 


1st  2d 

Year.       Year. 


3d 

Year. 


4th 

Year. 


5th 

Year. 


6th 

Year. 


7th 

Year. 


8th 

Year. 


9th 

Year. 


20 

21 
22 
23 

24 

25 
26 

27 
28 

29 

30 
31 
32 

33 
34 
35 
36 
37 
38 
39 
40 
4i 
42 
43 
44 
45 
46 
47 
48 

49 
5o 
5i 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 
66 

67 
68 

69 

70 


3i -°3 
31.60 
32.17 
32.78 

33-41 
34.06 

34.74 
35-43 
36-15 
36.89 

37.66 
38.45 
39.27 
40.10 
40.98 
41.87 
42.79 

43-73 
44.69 

45- 69 

46.70 

47-75 
48.83 

49-93 
51.04 
52.18 
53-33 
54.49 
55.65 
56.81 

57-93 
59.06 
60.1 
61.28 

62.35 
63.40 
64.41 

65-39 
66.34 
67.22 

68.05 
68.82 

69-53 
70.17 

7o.73 
71 .20 

7i.55 
71.78 
71.89 
7i-85 
71-63 


63 

64 

65. 

66. 

68 

69. 

70. 

72. 

73- 

75- 

76. 
78. 
80. 
81. 
83- 
85- 
87. 
89. 
91. 
93- 

95- 
97- 
99. 
101 , 
104, 
106. 
108, 
in , 
113 
ii5 
118, 
120, 
122 
124 
126 
129 
*3* 
i33 
i35 
136 

138 
140 
141 
142 

i43 

144 

i45 
H5 
146 

i45 

i45 


97.02 

"  79 

02 


52 
48 

52 
6a 

7" 
03 

34 

74 

,20 

75 

37 
,09 

87 

.72 
66 

.67 
,76 

.94 

.21 

•54 
.9a 
•37 
.88 
.41 
.96 
.49 

.CO 

.49 

•97 
39 

•77 
.06 

.2 
.41 

.42 

•31 
.04 

•59 
.08 

.16 

.  10 

•79 
.16 
.22 

•02 
.18 

.OI 

.46 


IOO. 
I02. 
IO4. 
IOO. 
08. 

no. 
«3« 

"5- 
117. 
120, 
122. 
125. 
128. 
130. 

133' 
136, 

139 
142, 

145 
149 

*S2 

i55 
J59 
162 
166 
169 

i73 

177 

180 

183 
187 
190 
194 
197 
200 
203 
206 
209 

211 

213 
216 
218 
219 
221 
222 
222 
223 
223 

222 


132. 
134- 
i37- 
i39- 
142. 

i45- 
147. 
150. 

i53- 
i57- 
160. 
163. 
167. 
170. 
174. 
178. 
182. 
186. 
190. 
194. 
198. 
203. 
207. 
212 . 
216. 
221 . 
226. 
231. 

235. 
240, 

245' 
250. 

254. 
259 
263, 
268, 
272, 
276, 
280 
284 

287 
291 
294 
296 

299 
301 

302 
3°3 
3°4 
304 

303 


168, 
171, 

i74 
178 
181 

185 
188 
192 
196 
200 

204 
208 
213 
217 
222 
227 
232 

237 
242 
248 

253 
259 
264 
270 
276 
282 
288 

294 

300 
306 
312 
3i8 
324 
33° 
336 
342 
347 
352 
357 
362 

367 

37i 
375 
379 
382 
385 
387 
388 

389 
39o 

39o 


.65 
•73 
•93 
.22 
.64 

•i7 
.81 

•  59 
.48 

.50 

.66 
.94 

•37 
.9] 
.61 

■43 
.38 

•47 
•71 

.08 

•57 
.20 

•  04 
•7(' 
.72 

.72 

•75 
.81 
.88 
•93 
•95 
•95 
.88 

•73 
.48 

.1 1 
•59 
.88 
.08 
.83 

•43 
•74 
.69 

•27 
•43 
.  12 
.27 

84 
.84 

32 

36 


206, 
210, 
214, 
218, 
222 
226 
231 , 
236 
240 
245 
250 
256 
261 
267 
272 
278 
284 
291 
297 
3°4 
310 
317 
324 
331 
339 
346 

353 
361 
368 
375 

383. 
39°  • 
398. 
405- 
412. 
419. 
426. 
432- 
439' 
445' 

451' 
456. 
461 , 
466, 
470, 
474 

477 
480, 
482, 
483 
484 


75 

■52 
,44 
.48 
,66 
.99 
.40 
.09 
85 
•79 
.88 

.13 

•54 
.  12 
.86 
.76 
.84 
.08 
.40 
.06 

•70 
.67 

.69 

.82 
.06 

•37 
•73 
.13 
•55 

•97 

37 
74 
04 
28 
39 
3* 
19 
82 
22 
37 
21 
72 
84 
54 
78 
47 
59 
14 
11 
57 
57 


246 
250 

255 
260 
265 
270 

275 
281 
287 
292 

299 
305 
3" 
3i8 

325 
332 
339 
346 
354 
362 

37o 
378 

386 

395 
404 
412 
421 
43° 
439 
448 

456 
465 
474 
483 
491 
500, 

5< 


08 
5i6 
524 
532 

539 
546 
553 
559 
565 
57° 
575 
579 
582 
585 
588 


45287.83 
95  293.09 
298.53 
3°4-i7 
309.99 
316.02 
322.24 
328.68 

335-33 
342.19 

349-27 
356.58 
364.1 
371.86 

379-85 
388.08 

396.54 
405.22 
414.14 
423.28 

432.62 
442.17 

45I-9° 
461.78 

471 .80 

481.95 
492.20 

502.54 
5I2-95 
523-40 

533-87 

544-35 

554 

565-22 

575-54 

585-77 

595-86 

605.79 

615-52 

625.00 

634.22 
643 . 1 2 
651.68 
659.84 
667.59 
674-93 
681.85 
688.39 

694.54 
700.32 

705-73 


.02 
•43 
•43 
•S8 
.91 
•  42 
.  1  1 
.90 
.06 

•31 

•7" 
.40 
.24 
.38 
•52 
.96 
•59 
.41 

43 
6a 
96 

44 
°3 
7> 
48 

31 
16 

04 

91 
7* 

57 
3° 
92 

42 

76 

90 

83 
48 

83 

8 

44 

6a 

•39 

47 
11 
,22 
83 
95 
,62 


33o.97 
337-02 
343-28 
349-76 
356.46 
363-39 
37o.55 
377-95 
385.60 

393-49 
401.63 
410.03 
418.69 
427.62 
436.81 
446.28 
456.00 
466.00 
476.26 
486.77 
497-52 
508.49 
5r9-67 
53I-°4 
542.58 

554.30 
566.15 

578.13 
590.22 
602.39 

614.63 
626.92 

639.24 
651.55 
663.83 
676.07 
688.24 
700.30 
712.23 
724.01 

735.6o 
746.98 

758.13 
769.04 

779.72 
790.18 
800.48 
810.62 
820.64 
830.54 
840.32 


14Pay.L. 


Am.3i% 


Of  Life  Insurance. 

221 

Table  No.  LXVII 

TERMINAL  NET  VALUES  PER 

$1000  OF  WHOLE  LIFE 

POLI- 

CIES    BY    FOURTEEN    EQUAL    ANNUAL    PREMIUMS; 

AMERICAN  EXPERIENCE,   THREE  AND   ONE- 

half  PER  CENT 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year 

Year. 

20 

19.71 

40.22 

6i.57 

83-79 

106.93 

131 .02 

156.10 

21. 

20.IO 

41.02 

62.79 

85-45 

109.05 

133.62 

159.20 

22 

20.50 

41.84 

64.05 

87.17 

1 1 1. 24 

136.30 

162.40 

23 

20.92 

42.69 

65.36 

88.96 

"3.52 

139.09 

165.70 

24 

21.36 

43.58 

66.72 

90.80 

115.87 

141 .96 

169.13 

25 

21.81 

44. 51 

68.13 

92.71 

118.30 

144.94 

172.66 

26 

22.27 

45-45 

69.58 

94.68 

120.81 

148.OO 

176.31 

27 

22.76 

46.44 

71.07 

96.71 

123.40 

151. 18 

180.08 

28 

23.26 

47-44 

72.62 

98.81 

126.08 

154-44 

183.97 

29 

23.76 

48.49 

74-21 

IOO.98 

128.83 

157.82 

187.98 

30 

24.30 

49-57 

75.87 

103.22 

131.68 

161.30 

192.12 

31 

24.84 

50.69 

77.56 

105.53 

134.62 

164.89 

196.38 

32 

25-41 

51.83 

79-32 

107.91 

137.65 

168.58 

200.76 

33 

25-99 

53.02 

81.12 

IIO.36 

140.76 

172.37 

205.27 

34 

26.59 

54.24 

82.99 

112.88 

143.96 

176.29 

209.90 

35 

27.21 

55.50 

84.90 

115.46 

147.25 

180.29 

214.65 

36 

27.85 

56.78 

86.86 

118. 13 

150.62 

184.40 

219-53 

37 

28.49 

58.10 

88.87 

120.84 

I54.07 

188.62 

224.54 

38 

29.16 

59-47 

9o.94 

123.64 

157.64 

192.96 

229.67 

39 

29.86 

60.86 

93.o6 

126.52 

161.28 

197.39 

234.91 

40 

30-55 

62.28 

95.24 

129.47 

165.OI 

201.92 

240.26 

4i 

31.29 

63.77 

97-49 

132.5° 

168.83 

206.56 

245-72 

42 

32.04 

65.29 

99.78 

135.58 

172.72 

211.26 

251.24 

43 

32.81 

66.83 

102.12 

138.72 

176.67 

216.02 

256.82 

44 

33-58 

68.40 

104.49 

141.89 

180.65 

220.82 

262.42 

45 

34.38 

70.00 

106.90 

145.10 

184.66 

225 .61 

268.03 

46 

35-i8 

71.61 

109.31 

148.31 

188.65 

230.40 

273.62 

47 

36.00 

73.22 

in. 72 

151-50 

192.62 

235.16 

279.19 

48 

36.81 

74.84 

114. 10 

154.66 

196.56 

239.89 

284 . 70 

49 

37.61 

76.41 

116.45 

I57.78 

200.46 

244-55 

290.13 

50 

38.39 

77.96 

118.77 

160.86 

204 .29 

249 . 14 

295.49 

5i 

39.16 

79- 51 

121.08 

163.91 

208.07 

253-65 

3oo.75 

52 

39-94 

81.04 

123.34 

166.90 

211.78 

258.07 

305.90 

53 

40.70 

82.54 

125.56 

169.82 

2I5.40 

262.39 

310.91 

54 

41-45 

84.01 

127.73 

172.68 

218.93 

266.58 

315.77 

55 

42.18 

85.45 

129.85 

175.46 

222.34 

270.63 

320.45 

56 

42.90 

86.85 

131 .91 

178.14 

225.63 

274.51 

324.93 

57 

43.60 

88.22 

133.90 

180.73 

228.79 

278.21 

329.18 

58 

44.29 

89.54 

135.82 

183.20 

231.78 

281.73 

333.21 

59 

44-95 

90.82 

137.65 

185.54 

234.62 

285.03 

336.96 

60 

45-59 

92.03 

139.39 

187.76 

237.27 

288.08 

340.40 

61 

46.20 

93 -*9 

141.03 

189.84 

239.72 

290.86 

343-49 

62 

46.78 

94.28 

142.58 

191.74 

241.93 

293.32 

346.20 

63 

47-34 

95- 31 

143.98 

193-45 

243.86 

295.44 

348.48 

64 

47.87 

96.25 

145-23 

194.92 

245.49 

297.16 

35o.25 

65 

48.32 

97.07 

146.29 

196.13 

246.76 

298.40 

35L48 

66 

48.74 

97-77 

147.17 

197.07 

247.64 

299.20 

352.24 

67 

49.10 

98.36 

147.85 

197.70 

248.15 

299.63 

352.62 

68 

49.41 

98.83 

148.32 

198.08 

248.43 

299.82 

352.84 

69 

49.66 

99-15 

148.61 

198.31 

248.61 

300.00 

353.05 

7o 

49-85 

99.40 

148.88 

198.60 

248.95 

300.39 

353-5° 

Am.35* 


14Pay.L. 


222 

Principles  and  Practice 

Table  No.  LXVIL— Concluded. 

TERMINAL  NET  VALUES  PER 

$1000  OF  WHOLE  LIFE  POL1- 

CIES    BY   FOURTEEN   EQUAL   ANNUAL   PREMIUMS, 

AMERICAN  EXPERIENCE,  THREE  AND   ONE- 

HALF  PER  CENT. 

8th 

9th 

10th 

11th 

12th 

13th 

14th 

Year. 

Year. 

.  Year. 

Year. 

Year. 

Year. 

Year. 

20 

182.23 

209.43 

237.76 

267.27 

298.OO 

330-03 

363-39 

21 

185.84 

213-57 

242.46 

272.54 

303.88 

336.53 

370.55 

22 

189.56 

217.85 

247.32 

278.OO 

309.96 

343.26 

377-95 

23 

193.42 

222.28 

252.34 

283.64 

316.24 

35°-21 

385.60 

24 

197.41 

226.86 

257.53 

289.47 

322.73 

357-39 

393-49 

25 

201.53 

23L59 

262.89 

295.48 

329-43 

364.79 

401.63 

26 

205.78 

236.47 

268.42 

301 .69 

336.34 

372.43 

410.03 

27 

210.18 

241.51 

274.I3 

308.09 

343-47 

380.31 

418.69 

28 

214.71 

246.71 

280.OI 

314.69 

35o.8i 

388.43 

427.62 

29 

219.38 

252.06 

286.07 

32L49 

358.37 

396.79 

436.81 

30 

224.19 

257.57 

292.32 

328.49 

366.16 

405.40 

446 . 28 

3i 

229.15 

263.25 

298.74 

335.69 

374.17 

414.25 

456.00 

32 

234.25 

269.09 

305-35 

343-1° 

382.41 

423-35 

466.00 

33 

239.48 

275.08 

312.14 

350-7I 

390.87 

432.69 

476.26 

34 

244.86 

281.25 

319.12 

358.52 

399-54 

442.27 

486.77 

35 

250.40 

287.58 

326.27 

366.53 

408.43 

452.07 

497-52 

36 

256.07 

294.07 

333-59 

374-72 

417-52 

462.08 

508.49 

37 

261.88 

300.70 

341.08 

383.09 

426.79 

472.29 

5!9-67 

38 

267.81 

3°7-49 

348.73 

391.62 

436.24 

482.67 

53i-04 

39 

273.90 

3x4-4i 

356.52 

400 . 29 

445.82 

493.21 

542.58 

40 

280.08 

321.44 

364.42 

409.08 

455-53 

503-89 

554.3o 

4i 

286.37 

328.58 

372.41 

4I7.97 

465-35 

514-7° 

566.15 

42 

292.73 

335.78 

380.48 

426.94 

475-27 

525-6i 

578.13 

43 

299 -J3 

343 -°3 

388.60 

435-97 

485.25 

536.6i 

590.22 

44 

305-55 

35° -29 

396.75 

445-°3 

495.28 

547-66 

602.39 

45 

3IX-99 

357-58 

404.90 

454.10 

505-32 

558-.  75 

614.63 

46 

318.41 

364.83 

413.04 

463.15 

5I5-36 

569.87 

626.92 

47 

324-78 

372.05 

421.13 

472.17 

525-37 

580.97 

639 .  24 

48 

331-10 

379.20 

429.14 

481 .12 

535-33 

592.03 

651.55 

49 

337-33 

386.25 

437.08 

489.98 

545- 20 

603.03 

663.83 

50 

343-46 

393-21 

444.88 

498.71 

554-95 

613.94 

676.07 

51 

349-49 

400.03 

452.56 

507-30 

564.57 

624.73 

688.24 

52 

355 -38 

406.70 

460.05 

5I5.7I 

574.oi 

635-37 

700.30 

53 

361. 11 

413.18 

467.34 

523.91 

583.26 

645-83 

712.23 

54 

366.66 

419-45 

474.41 

531-88 

592.26 

656.07 

724.01 

55 

37I-98 

425-47 

481 .21 

539-55 

600.97 

666.06 

735- 60 

56 

377.08 

43I-24 

487.71 

546.91 

609.36 

675.76 

746.98 

57 

38l-93 

436.70 

493-87 

553-9o 

617.40 

685.14 

758.13 

58 

386.47 

441.81 

499.64 

560.49 

625.04 

694.16 

769.04 

59 

390.69 

446.54 

504.99 

566.64 

632.22 

702.80 

779-72 

60 

394-52 

450.85 

509.87 

572.27 

638.93 

711.05 

790.18 

61 

397.96 

454.68 

514.22 

577.36 

645-I5 

718.94 

800.48 

62 

400.93 

457-97 

517.98 

581.90 

650.88 

726.46 

810.62 

63 

403.36 

460.66 

521.16 

585.88 

656.14 

733-64 

820.64 

64 

405.23 

462 . 78 

523.76 

589.33 

660.93 

740.48 

830.54 

65 

406.54 

464.33 

525-84 

592.28 

665.26 

746.96 

840.32 

66 

407-37 

465.43 

527-45 

594-77 

669.15 

753-°6 

849-97 

67 

407.86 

466.18 

528.68 

596.82 

672.57 

758.74 

859.40 

68 

408.17 

466.71 

529.64 

598.51 

675.54 

763-91 

868.65 

69 

408.47 

467.19 

53°-4i 

599.86 

677.03 

768.56 

877-74 

70 

408.98 

467.74 

53i -°9 

600 . 76 

679.75 

772.67 

886.77 

19Pay.L. 


Am.3i* 


Of  Life  Insurance. 


223 


Table  No.  LXVIII 

TERMINAL    NET    VALUES    PER    $1000    OF    WHOLE    LIFE 

POLICIES  BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN    EXPERIENCE,    THREE    AND 

ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

14.47 

29.52 

45.16 

61.43 

78.36 

21 

14.78 

30.I5 

46.13 

62.75 

80.05 

22 

15.10 

30.80 

47.14 

64.12 

81.79 

23 

15-43 

31.49 

48.18 

65-54 

83.60 

24 

15-79 

32.20 

49.27 

67.02 

85.47 

25 

16.15 

32.94 

50.39 

68.54 

87.40 

26 

16.52 

33.69 

5i-55 

70.10 

89.40 

27 

16.90 

34.48 

52.74 

71.72 

91.46 

28 

J7-31 

35.28 

53-97 

73-40 

93-59 

29 

17.71 

36.12 

55-25 

75.13 

95.78 

30 

18.14 

36.99 

56.57 

76.91 

98.06 

31 

18.58 

37-88 

57-93 

78.76 

100.40 

32 

19.04 

38.80 

59-34 

80.66 

102.82 

33 

19.50 

39-75 

60.79 

82.63 

105.30 

34 

19.99 

40.74 

62.29 

84.65 

107.86 

35 

20.49 

41.76 

63.83 

86.73 

110.50 

36 

21 .01 

42.80 

65.41 

88.88 

113.20 

37 

21.54 

43-88 

67.05 

91.07 

"5-99 

38 

22.08 

44-99 

68.73 

93-34 

118.86 

39 

22.66 

46.13 

70.46 

95.68 

121.82 

40 

23-23 

47-31 

72.25 

98.09 

124.85 

4i 

23.84 

48.54 

74.11 

100.57 

127.97 

42 

24.47 

49.80 

76.00 

103. 11 

131. 15 

43 

25.12 

51.09 

77-95 

105.71 

134.39 

44 

25.77 

52.41 

79-93 

108.35 

137.67 

45 

26.45 

53.76 

81.95 

in. 02 

140.97 

46 

27.14 

55-14 

83-99 

113-71 

144.27 

47 

27.85 

56.52 

86.04 

116.38 

147-56 

48 

28.55 

57-90 

88.06 

119.03 

150.84 

49 

29.25 

59.27 

90.08 

121.68 

154.09 

5o 

29.94 

60.64 

92.10 

124.32 

I57.32 

5i 

30.64 

62.01 

94.12 

126.96 

160.54 

52 

31-34 

63.39 

96.14 

129.59 

163.74 

53 

32.05 

64.77 

98.16 

132.20 

166.92 

54 

32.76 

66.16 

100.17 

134.80 

170.07 

55 

33-49 

67-55 

102.19 

I37-4I 

173.21 

5<5 

34-20 

68.93 

104.21 

139.99 

176.31 

57 

34-93 

7o.35 

106.23 

142.57 

179.38 

58 

35-67 

71.75 

108.24 

145.12 

182.41 

59 

36.40 

73.16 

110.24 

147-65 

185.38 

60 

37-14 

74-55 

112.22 

150.14 

188.31 

61 

37.87 

75-95 

114.20 

152.62 

191. 17 

62 

38.63 

77-36 

116. 19 

155-06 

193.96 

63 

39.38 

78.78 

118. 14 

157-44 

196.65 

64 

40.15 

80.18 

120.07 

I59.76 

199.26 

65 

40.89 

81.56 

121.95 

162.02 

201.77 

66 

41.64 

82.93 

123.81 

164.24 

204.19 

67 

42.39 

84.30 

125.65 

166.40 

206.56 

68 

43.14 

85.66 

127.46 

168.56 

209.04 

69 

43-9° 

87.01 

129.31 

170.88 

211.83 

70 

44-65 

88.41 

i3i-34 

173.56 

215 .22 

Am.3l* 


19Pay.L 


224 

Principles  and  Practice 

Table  No. 

LX  VIII . — Continued. 

TERMINAL    NET    VALUES    PER    $1000    OF    WHOLE    LIFE 

POLICIES  BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN    EXPERIENCE,    THREE   AND 

ONE-HALF  PER  CENT. 

Age. 

8th 

7th 

8th 

9th 

10th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

95-97 

114.29 

133-35 

153-19 

173.81 

21 

98.03 

116.74 

136.21 

156.43 

177.52 

22 

100.17 

119.28 

139.16 

159.84 

I8I.35 

23 

102.38 

121 .90 

142.21 

163.34 

185.32 

24 

104.66 

124.62 

145.37 

166.96 

189.40 

25 

107.02 

127.42 

148.63 

170.69 

193.63 

26 

109.46 

130.32 

152.OO 

174.54 

197.99 

27 

III  .98 

133-3° 

155.47 

178.52 

202.48 

28 

H4-57 

I36.39 

159.06 

182.62 

207 . 1 1 

29 

117.26 

139.57 

162.75 

186.84 

211.88 

30 

120.02 

142.85 

166.56 

191. 19 

216.79 

31 

122.88 

146.23 

170.48 

I95.67 

221.83 

32 

125.82 

149.70 

174.51 

200.26 

227.01 

33 

128.84 

153.28 

178.65 

204.99 

232.34 

34 

131.96 

156.96 

182.91 

209.85 

237.82 

35 

I35-I5 

160.74 

187.29 

214.85 

243.43 

36 

138.44 

164.63 

191.79 

219.96 

249.18 

37 

141.83 

168.63 

196.41 

225.20 

255.05 

38 

145-32 

172.73 

201.13 

230.56 

261.05 

39 

148.89 

176.93 

205.97 

236.03 

267.15 

40 

152.55 

181.23 

210.91 

241.59 

273.32 

4i 

156.31 

185.62 

215.91 

247.22 

279.55 

42 

160.13 

190.06 

220.98 

252.88 

285.81 

43 

164.00 

194.56 

226.07 

258.57 

292.09 

44 

167.90 

199.06 

231.17 

264.26 

298.37 

45 

171.82 

203.57 

236.27 

269.94 

304.61 

46 

175-72 

208.08 

241.35 

275-58 

310.81 

47 

179.61 

212.55 

246.39 

281.17 

316.94 

48 

183.48 

216.98 

251.38 

286.69 

322.98 

49 

187.31 

221.37 

256.30 

292.13 

328.93 

50 

191. 11 

225.72 

261 .16 

297.50 

334-77 

5i 

194.89 

230.01 

265.96 

302.76 

340.49 

52 

198.63 

234.26 

270.68 

3°7-93 

346.07 

53 

202.33 

238.45 

275.31 

312.98 

35i-5o 

54 

205.99 

242.57 

279.85 

3I7.89 

356.77 

55 

209.61 

246.61 

284.29 

322.67 

361.87 

56 

213.16 

250-58 

288.60 

327-30 

366.75 

57 

216.66 

254.45 

292.80 

33!-75 

37i-4i 

58 

220.10 

258.24 

296.84 

336.00 

375-8o 

59 

223.46 

261.89 

300.71 

340.00 

379.88 

60 

226.72 

265.39 

304.36 

343-74 

383.63 

61 

229.87 

268.72 

307.80 

347  ^9 

387.00 

62 

232.89 

271 .90 

311. 01 

350-32 

390.01 

63 

235.79 

274.88 

3r3-95 

353 -l6     - 

392.73 

64 

238.55 

277.66 

316.67 

355-8o 

395-31 

65 

241 .16 

280.28 

319.28 

358.39 

397 -92 

66 

243.68 

282.88 

321.94 

361.14 

400.77 

67 

246.25 

285.62 

324.89 

364.3° 

404 . 1 2 

68 

249.04 

288.77 

328.39 

368.13 

408.18 

69 

252.35 

292.61 

332.74 

372.91 

413.24 

70 

256.47 

297.44 

338.23 

378.91 

419-59 

19Pay.L. 


Am.3i* 


Of  Life  Insurance. 


Table  No. 

L.XVIII. — Continued. 

TERMINAL    NET    VALUES    PER     $1000    OF    WHOLE    LIFE 

POLICIES  BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN    EXPERIENCE,    THREE    AND 

ONE-HALF  PER  CENT. 

Age. 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

195.28 

217.61 

240.86 

265.04 

290.21 

21 

199-43 

222.24 

245.96 

270.65 

.    296.34 

22 

2°3-73 

227.01 

251.23 

276.44 

302.67 

23 

208.17 

23I-95 

256.68 

282.42 

309 • 19 

24 

212.76 

237.04 

262.31 

288.58 

315.92 

25 

217.49 

242.30 

268.10 

294.93 

322.85 

26 

222.37 

247.71 

274.07 

301.48 

329.98 

27 

227.39 

253-29 

280.22 

308.21 

337-32 

28 

232-57 

259 -°3 

286.53 

3I5-i3 

344-87 

29 

237.90 

264.93 

293.04 

322.26 

352.64 

30 

243-38 

271 .01 

299.73 

329-58 

360 . 60 

31 

249.01 

277.25 

306 . 60 

337-o8 

368.76 

32 

254.80 

283.67 

313.64 

344.78 

377-13 

33 

260.75 

290.24 

320.85 

352.65 

385.67 

34 

266.84 

296.97 

328.24 

360.70 

394.38 

35 

273.09 

303.86 

335-78 

368.89 

403.25 

36 

279.47 

310.89 

343-46 

377.22 

412.23 

37 

285.99 

318.04 

35I-26 

385.66 

421.32 

38 

292.62 

325-30 

359.14 

394.18 

430.50 

39 

299.34 

332.64 

367.10 

402 . 78 

439-75 

40 

306.12 

340.04 

375-12 

411.44 

449.05 

4i 

312.96 

347-48 

383.18 

420.12 

458.37 

42 

319.82 

354-95 

39I-25 

428.80 

467.69 

43 

326.69 

362.40 

399-3° 

437-45 

476.97 

44 

333-53 

369.82 

407.30 

446.06 

486.21 

45 

340.3S 

377.20 

415-25 

454.60 

495-35 

46 

347 -°9 

384.49 

423.10 

463.02 

504.38 

47 

353-75 

391.69 

430-84 

47I-32 

5I3-26 

48 

360.32 

398.77 

438-43 

479-44 

521-97 

49 

366.75 

405.69 

445-85 

487.39 

530-47 

5o 

373 .06 

412.45 

453-°8 

495 -11 

538.74 

51 

379.21 

419.04 

460 . 1 1 

502.61 

546.75 

52 

385.20 

425.42 

466.91 

509-83 

554-45 

53 

391.00 

43L59 

473-43 

516.74 

561.81 

54 

396.60 

437-5° 

479.66 

523-32 

568.80 

55 

401.97 

443- !3 

485.55 

529-52 

575.38 

56 

407.08 

448.44 

491 .08 

535-3° 

581.49 

57 

411 .90 

453.41 

496.21 

540.61 

587.10 

58 

416.39 

457.98 

500.85 

545.40 

592.21 

59 

420.50 

462.09 

504.99 

549.69 

596.82 

60 

424.19 

465.73 

508.65 

553-49 

601.00 

61 

427.46 

468.93 

511.87 

556.90 

604.75 

62 

43° -37 

471*79 

514.78 

559.98 

608 . 19 

63 

433 -OI 

474.42 

517-48 

562.85 

611.37 

64 

435-57 

477.00 

520.12 

565.62 

614.36 

65 

438.21 

479.68 

522.85 

568.38 

617.22 

66 

441.15 

482.66 

525-79 

571-24 

619.85 

67 

444 . 60 

486.10 

529.11 

574.13 

622.36 

68 

448.77 

490.20 

532.76 

577.26 

625.00 

69 

453-93 

495.03 

537- I2 

581.07 

628.41 

70 

460.17 

501.01 

542 . 74 

586.39 

633.28 

Am.3i* 


19Pay.L 


226 


Principles  and  Practice 


Table  No.  LXVIIL— Concluded. 

TERMINAL    NET    VALUES    PER     $1000    OF    WHOLE    LIFE 

POLICIES  BY  NINETEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN    EXPERIENCE,    THREE   AND 

ONE-HALF  PER  CENT. 

Age. 

16th 

17th 

18th 

19th 

Year. 

Year. 

Year. 

Year. 

20 

316.41 

343.69 

372.o8 

401.63 

21 

323.08 

350.91 

379.88 

410.03 

22 

329.96 

358.36 

387.92 

418.69 

23 

337-OS 

366.04 

396.21 

427.62 

24 

.     344-3° 

373-95 

404.75 

436.81 

25 

351-88 

382.10 

4I3.54 

446.28 

26 

359-03 

390.49 

422.59 

456.00 

27 

367.61 

399-n 

431.89 

466.00 

28 

375.8o 

407.97 

441.44 

476.26 

29 

384.22 

417.06 

45L23 

486.77 

30 

392-85 

426.38 

461.25 

497-52 

31 

401 .69 

435-92 

471.49 

508.49 

32 

410.73 

445.65 

481.94 

5I9.67 

33 

419.96 

455-57 

492.57  ' 

53I.04 

34 

429.35 

465.65 

503.37 

542.58 

35 

438.88 

475-88 

514.32 

554.30 

36 

448.54 

486.24 

525.40 

566.15 

37 

458.31 

496.71 

536.61 

578.I3 

38 

468.17 

507.26 

547.90 

590.22 

39 

478.09 

517.89 

559-28 

602.39 

40 

488.06 

528.57 

570.70 

614.63 

4i 

498.05 

539-26 

582.16 

626.92 

42 

508.03 

549-95 

593.62 

639.24 

43 

517.98 

560.62 

605.06 

65I.55 

44 

527.87 

571.22 

616.45 

663.83 

45 

537-67 

581.73 

627.77 

676.07 

46 

547.35 

592.13 

638.98 

688.24 

47 

556.87 

602.37 

650.06 

700.30 

48 

566.21 

612.44 

660.97 

712.23 

49 

575-34 

622.29 

671 .69 

724.01 

5o 

584.22 

631.89 

682.16 

735-60 

5i 

592.82 

641 .20 

692.38 

746.98 

52 

601 .09 

650.19 

702.30 

758.13 

53 

609.01 

658.83 

711.89 

769.04 

54 

616.54 

667.06 

721.13 

779.72 

55 

623.62 

674.87 

730.02 

790.18 

56 

630 . 23 

682.26 

738.59 

800.48 

57 

636.36 

689.23 

746.84 

810.62 

58 

642.02 

695.80 

754.8o 

820.64 

59 

647.23 

701.98 

762.46 

830.54 

60 

652.02 

707.78 

769.83 

840.32 

61 

656.43 

713.21 

776.89 

849.97 

62 

660.47 

718.25 

783-59 

859.40 

63 

664.19 

722.92 

789.85 

868.65 

64 

667.61 

727.09 

795.67 

877.74 

65 

670.62 

730.77 

801.05 

886.77 

66 

673.26 

734-00 

806.08 

895.78 

67 

675.64 

736.92 

810.74 

904 . 68 

68 

678.12 

739-74 

814.94 

9I3-32 

69 

681.19 

742.55 

818.49 

921.49 

70 

685.16 

745-38 

821.16 

929.20 

9Yr.End. 


Am.3J* 


Of  Life  Insurance. 


227 


Table  No.  LXIX. 

TERMINAL  NET  VALUES  PER  $1000  OF  NINE-YEAR  ENDOW- 
MENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 
MATURITY,     AMERICAN     EXPERIENCE,     THREE        ' 
AND  ONE-HALF  PER  CENT. 


Age. 


1st 

Year. 


2d 

Year. 


3d 

Yea.. 


4th 

Year. 


5th 

Year. 


6th 

Year. 


7th 

Year. 


8th 

Year. 


20 
21 
22 
23 
24 
25 
26 
27 
28 
29 
30 
31 
32 

33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
46 
47 
48 

49 
5o 
5i 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 
66 
67 
68 
69 
70 


93-35 
93-32 
93-3° 
93 -29 
93.27 
93.26 


93-24 
93-21 
93.20 
93-iS 

93-15 
93-13 
93 -.i° 
93.06 

93 -°4 
93.01 

92.97 
92.94 
92.88 
92.84 

92.79 
92.73 
92.68 
92.63 
92.56 
92.51 
92.42 

92.34 
92.24 
92.10 

9i  -95 
91.77 
91.58 
91.36 
91 .10 
90.82 
90.50 
90.16 
89.79 
89.36 

88.92 
88.41 
87.86 
87.27 
86.63 
85.90 
85.12 
84.25 
83.28 
82.20 
80.97 


90.67 
90.63 
90.60 
90.58 

90-55 
90.52 
90.47 
90.44 
90.40 
90.35 
90.31 
90.26 
90.21 
90.14 
90.09 
90.02 
89.96 
89.88 
89.78 
89.69 

89.59 
89.49 
89.38 
89.26 
89.14 
89 .00 
88.83 
88.66 

88.43 
88.14 

87.83 
87.46 
87.06 
86.60 
86.09 

85.51 
84.87 
84.18 
83.42 
82.56 

81.63 
80.60 

79-49 
78,28 
76.94 
75-45 
73-84 
72.04 
70.03 
67.77 

65.27 


292.17 
292.12 
292.08 
292.04 
292.00 
291.95 
291 .90 
291 .85 
291.79 
291.73 

291 .66 
291.59 
291.51 
291.43 

291.35 
291 .26 
291.15 
291 .04 
290.90 
290.77 
290.63 
290.48 
290.31 

290.13 
289.94 
289.72 
289.47 
289.17 
288.82 
288.39 

287.91 
287.37 
286.75 
286.07 
285.30 
284.44 
283.50 
282.46 
281 .32 
280.04 

278.65 
277.12 
275.46 
273.62 
271 .60 
269.38 
266.92 
264.18 
261 .12 
257.70 

253 -9Q 


398.02 
397-97 
397-92 
397.87 
397.82 

397-77 
397.7o 
397.63 
397-57 
397-49 
397-41 
397-32 
397-23 
397.12 
397.02 
396.90 
396.77 
396.63 
396.46 
396.29 
396.11 
395.92 
395- 71 
395-47 
395-22 

394.93 
394.58 
394.18 

393 -71 
393-15 

392.53 
391.82 
391.04 

39° -J5 
389.16 
388.07 
386.86 

385-53 
384.04 
382.40 

380.61 
378.64 
376.48 
374.09 
37L47 
368.56 

365.34 
361.76 
357-74 
353-33 
348.60 


508.44 
508.38 
508.33 
508.27 
508.22 
508.16 
508.08 
508.02 
5°7-94 
507-85 
507.76 
507.67 
507.56 
507.45 
507.33 
507-19 
507.04 
506.88 
506.70 
506. 51 
506.30 
506.08 
505.83 
505-55 
505-25 
504.89 
504.47 
5°3-99 
503-43 
502.79 

502 .07 
501 .26 

5°o-34 
499.32 
498.18 
496.93 

495-53 
493.98 
492.27 
490.38 
488.30 
486.01 
483.48 
480.69 
477-6i 
474.20 
470.41 
466.18 
461 .50 
456.41 

450.96 


623.62 
623.56 
623.51 
623.46 
623.40 
623.34 
623  27, 
623.20 
623.12 
623.04 

622 .95 
622.85 
622.75 
622 .63 
622 .51 
622.37 

622 .22 
622 .06 
621.87 
621.68 

621 .46 

621 .23 
620.97 
620.67 
620.34 

619 .96 
619.51 
619.00 
618.41 
6i7-75 
616.99 
616.15 
615  .20 
614.14 
612 .96 
611.66 
610.21 
608 .  60 
606.82 
604.86 

602.68 
600 . 28 

597-63 
594.69 

591-45 
587.84 
583.82 
579.38 
574-48 
569.18 

563-50 


743.78 
743-74 
743.69 
743.65 
743.6o 
743-54 
743-49 
743-43 
743.36 
743-29 
743-21 
743-13 
743-°4 
742.93 
742.83 
742.71 
742.58 

742.43 
742.27 
742.10 

741 .90 
741.69 

741-45 
741.18 
740.87 
740.52 
740.11 
739.65 
739-n 
738.52 

737.84 
737.08 
736.23 
735-29 
734-24 
733.07 
73L77 
730.33 
728.73 
726.96 

724.99 
722.82 
720.41 
717.74 

714.77 
711.48 
707.82 

703-79 
699.37 

694.57 
689.39 


869.16 
869.13 
869.11 
869.08 
869.05 
869.01 
868.98 
868.94 
868.90 
868.85 

868.80 
868.75 
868.69 
868.62 
868.56 
868.48 
868.39 
868.30 
868.20 
868.08 
867.95 
867.81 
867.65 

867.47 
867.26 
867.02 
866.75 
866.44 
866.09 
865.70 
865.25 

864.75 
864 . 20 
863.58 
862.89 
862.12 
861.26 
860.31 
859.26 
858.08 

856.78 
855-33 
853-72 
851-93 
849.95 
847.74 

845.30 
842.62 
839.67 
836.43 
832.90 


Am.3;* 


HYr.End 


Principles  and  Practice 


Table  No. 

LXX. 

TERMINAL    NET    VALUES    PER 

$1000    OF 

FOURTEEN-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL   MATl 

AMERICAN   EXPERIENCE,   THREE 

AND  ONE-HALF  PER  CENT. 

Ace. 

1st 

M 

3d 

4th 

5th 

6th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

53-^2 

109.51 

167.77 

228.51 

291 .84 

357-88 

21 

53-0O 

109.48 

167.72 

228.45 

291 .78 

357-82 

22 

53-59 

109.45 

167.69 

228.42 

291.73 

357-75 

23 

53-58 

109.43 

167.67 

228.38 

291.68 

357-69 

24 

53-57 

109.42 

167.64 

228.33 

291.63 

357.63 

25 

53-56 

109.40 

167.60 

228.29 

291.57 

357.56 

26 

53-55 

I09.37 

167.57 

228.24 

291.51 

357-49 

27 

53-54 

109.35 

167.53 

228.19 

29L45 

357-41 

28 

53-53 

I09.33 

167.49 

228.14 

291.38 

357-33 

29 

53-52 

109.30 

167.46 

228.09 

291.30 

357.24 

30 

53-5i 

109.28 

167.42 

228.03 

291.23 

357.15 

31 

53-5° 

109.26 

I67-37 

227.97 

291 .16 

357.o6 

32 

53-48 

109.22 

I67-33 

227.91 

291 .07 

356.96 

33 

53-47 

109.19 

167.29 

227.84 

290.99 

356.85 

34 

53-46 

109.18 

167.24 

227.79 

290.91 

356.74 

35 

53-45 

109.15 

167.21 

227.72 

290.81 

356.62 

36 

53-44 

109.13 

167.15 

227.64 

290.71 

356.48 

37 

53-44 

109.10 

167. II 

227.57 

290.61 

356.35 

38 

53-42 

IO9.07 

167.05 

227.49 

290.50 

356.22 

39 

53-41 

109.05 

167.OI 

227.43 

290.41 

356.09 

40 

53-41 

109.03 

166.99 

227.38 

290.32 

355-97 

41 

53-41 

109.03 

166.97 

227.33 

290.25 

355-84 

42 

53-42 

109.04 

166.95 

227.30 

290.17 

355-71 

43 

53-43 

109.04 

166.95 

227.26 

290.08 

355-56 

44 

53-44 

109.07 

166.95 

227.22 

289.98 

355.38 

45 

53.48 

109.09 

166.95 

227.17 

289.85 

355.15 

46 

53-49 

109.10 

166.93 

227.08 

289.67 

354.86 

47 

53-51 

109.12 

166.89 

226.95 

289.43 

354.5o 

48 

53-53 

109.10 

166.81 

226.77 

289.14 

354.09 

49 

53-52 

109.05 

166.68 

226.54 

288.79 

353.58 

50 

53-51 

108.99 

166.53 

226.28 

288.37 

353.oi 

5i 

53-49 

108.90 

166.36 

225.96 

287.90 

352.35 

52 

53.46 

108.81 

166.14 

225.60 

287.36 

35i.6i 

53 

53-44 

108.70 

165.91 

225.21 

286.76 

350.80 

54 

53-39 

108.57 

165.63 

224-75 

286.10 

349.90 

55 

53-35 

108.42 

165.34 

224.26 

285.37 

348.92 

56 

53-29 

108.25 

165.OI 

223.72 

284.58 

347-83 

57 

53-24 

108.09 

164.67 

223.15 

283.72 

346.65 

58 

53-19 

107.92 

164.31 

222.52 

282.78 

345-37 

59 

53-14 

l°7-73 

163.90 

221.84 

281.77 

343-99 

60 

53.o8 

107.52 

163.47 

221. II 

280.68 

342.48 

61 

53-oi 

107.30 

163.OI 

220.33 

279.49 

340.82 

62 

52.95 

107.07 

162.52 

219.46 

278.17 

338.99 

63 

52.88 

106.83 

161.96 

218.50 

276.71 

336.94 

64 

52.80 

106.53 

161.32 

217.41 

275.04 

334.63 

65 

52.69 

106.17 

160.59 

2I6.I5 

273.16 

332.02 

66 

52.56 

105.76 

159-75 

214-74 

271 .04 

329.10 

67 

52.41 

105.29 

158.79 

2I3-I3 

268.67 

325.94 

68 

52.22 

104.76 

I57-72 

2H.39 

266.19 

322.71 

69 

52.03 

104.16 

156.57 

209.61 

263.76 

319.62 

70 

51.81 

I03.55 

i55-5o 

208.03 

261 .64 

3l6-93 

14Yr.End. 


Am.3i* 


Of  Life  Insurance. 


229 


Table  No.  LXX.— Concluded. 

TERMINAL   NET    VALUES    PER    $1000    OF    FOURTEEN-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,   AMERICAN   EXPERIENCE,   THREE 

AND  ONE-HALF  PER  CENT. 


Age. 


7th 

Year. 


8th 

Year. 


9th 

Year. 


10th 

Year. 


11th 

Year. 


12th 

Year. 


13th 

Year. 


20 
21 
22 
23 
24 
25 
26 

27 
28 

29 
30 
31 
32 

33 
34 
35 
36 
37 
38 
39 
40 
4i 
42 
43 
44 
45 
46 
47 
48 

49 
50 
5i 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 
66 
67 
68 
69 
7o 


426.76 
426.68 
426.61 
426.54 
426.47 
426.39 
426.31 
426.22 
426.12 
426.02 

425.91 
425.81 
425.68 

425.55 
425.41 
425-27 
425.11 
424.95 
424.78 
424.62 

424.45 
424.27 
424.08 
423.85 
423.57 
423.24 
422.83 
422.35 
421.79 
421.13 

420.39 

4I9.55 
418.61 

417-58 
416.43 
415.17 
413-78 
412.28 
410.65 
408.86 
406.89 

404.74 
402.35 
399.69 
396.67 
393.28 
389.58 
385.66 
381.70 
377-94 
374.63 


498.59 
498.51 
498.44 
498.36 
498.28 
498.19 
498.10 
498.00 
497.89 
497.78 

497-67 
497-54 
497-40 
497.25 
497 .09 
496.92 
496.74 
496.55 
496.35 
496.15 


573-52 
573-45 
573.36 
573-28 
573-20 
573- 10 
573-01 
572.90 
572.79 
572.67 

572.54 
572.40 
572.25 
572.09 
57L92 
571-73 
571-53 
571.32 
57I-09 
570.85 


651.70 
651 .62 

651.54 
651 .46 
651.38 
651.28 
651.18 
651.08 
650.97 
650.84 

650.71 

650.57 
650.42 
650.25 
650.07 
649.87 
649 . 66 
649.44 
649 .  19 
648.93 


733-26 
733.20 
733.12 
733-°5 
732-97 
732.89 

732.79 
732.70 

732.59 
732.47 

732.35 
732.22 
732.07 
731.91 
73* -73 
73L55 
73L34 
731.12 
730.87 
730.60 


495-93 

57o.59 

648.63 

730.29 

495.7o 

570.30 

648 . 30 

729-95 

495-43 

569.97 

647.92 

729-55 

495-11 

569.58 

647.48 

729.11 

494-74 

569.12 

646.97 

728.59 

494.31 

568.60 

646.39 

728.01 

493-79 

567.99 

645.73 

727-34 

493  •  19 

567.29 

644.96 

726.57 

492.50 

566.48 

644 . 08 

725-7I 

491.69 

565.56 

643 • IO 

724.73 

490.79 

564.53 

642.00 

723-65 

489.78 

563.38 

640.77 

722.43 

488.65 

562.11 

639.40 

721.08 

487.41 

560.68 

637.87 

7J9.57 

486.03 

559- 10 

636.18 

717.91 

484.51 

557-37 

634.33 

716.07 

482.84 

555-47 

632.28 

714.03 

481 .02 

553.38 

630.02 

711.79 

479-03 

55I'°9 

627.54 

709.31 

476.84 

548.57 

624.80 

706.56 

474-45 

545.79 

621.78 

703.52 

471.80 

542.72 

618.42 

700 . 14 

468.87 

539.29 

614.67 

696.38 

465.57 

535.46 

610.51 

692.23 

461.87 

531-20 

605.92 

687.67 

457-77 

526.54 

600.94 

682  73 

453.36 

521.56 

595.63 

677.45 

448 . 74 

516.37 

590.07 

671.85 

444.11 

5". 15 

584.39 

666.00 

439.68 

506.05 

578.70 

660.00 

435-65 

501.22 

573-12 

653-75 

818.39 
818.33 

818.28 
818.22 
818.15 
818.08 
818.01 
817.93 
817.84 
817.74 

817.64 

817.53 

817.40 
817.27 
817.12 

816.96 
816.78 
816.59 

816.37 
816.13 

815.85 
815.54 
815.19 
814.79 
814.34 

813.83 

813.24 
812.58 
811.83 

810.99 
810.04 

808.99 
807.82 

806.52 

805.08 
803.47 

801.70 

799.73 
797.56 
795.14 
792.46 

789.48 

786.19 
782.56 

778.58 

774.23 
769.54 
764.47 
759.08 

753-3° 
747.11 


907.24 
907.21 
907.17 
907.14 
907.10 
907.05 
907.01 
906.96 
906.90 
906.85 

906.78 
906.71 

906 . 63 
906.55 
906.46 

906.35 
906.24 
906.11 

905-97 
905.81 

905-63 
905-43 

905 .20 
904.94 

904 . 64 
904.31 

903-93 
903-50 
903.02 
902.48 

901.88 

901 .21 

900.45 
899 .  62 
898.69 
897.65 
896.50 
895.22 
893.80 
892.23 

890.48 
888.54 
886.40 
884.03 
881 .42 
878.55 
875.39 
871.92 
868.11 
863.92 

859.33 


Am.3J% 


19Yr.End 


230 

Principles  and  Practice 

Table  No. 

LXXI. 

TERMINAL  NET  VALUES  PER  $1000  OF  NINETEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,     AMERICAN     EXPERIENCE, 

THREE    AND    ONE-HALF    PER 

CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

Oth 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

35-24 

71-95 

110.19 

150.05 

I9J-59 

234.90 

21 

35-23 

7i-93 

110.17 

150.03 

191.57 

234.86 

22 

35-22 

71.92 

110.16 

150.02 

191.55 

234.83 

23 

35-22 

71.92 

HO. 16 

150.00 

191.52 

234.8i 

24 

35-22 

71.92 

no. 15 

149.99 

191. 51 

234.78 

25 

35-23 

71-93 

110.15 

149.99 

I9I-50 

234.76 

26 

35-23 

71.91 

no. 15 

149.98 

191.48 

234.73 

27 

35-22 

71.92 

no. 15 

149-97 

191.47 

234.71 

28 

35-24 

71.94 

no. 16 

149.98 

191.47 

234.70 

29 

35-24 

71.93 

no. 16 

149.97 

191.45 

234.68 

30 

35-24 

71.94 

no. 16 

149.98 

I9L45 

234.67 

31 

35-26 

71.97 

no. 19 

150.00 

191.48 

234.68 

32 

35-27 

71.98 

no. 21 

150.02 

191.49 

234.70 

33 

35-27 

72.00 

110.24 

150.05 

191.53 

234.71 

34 

35-3° 

72.04 

110.29 

150. II 

191.57 

234.75 

35 

35.32 

72.08 

no.35 

150.17 

191.63 

234.81 

36 

35-37 

72.16 

110.43 

150.25 

191. 71 

234.88 

37 

35-39 

72.20 

110.50 

I50-35 

191.82 

234.99 

38 

35-43 

72.28 

110.60 

150.47 

191.96 

235.14 

39 

35.48 

72.37 

no. 74 

150.64 

192.15 

235.32 

40 

35.54 

72.49 

no. 91 

150.84 

192.36 

235.56 

4i 

35-03 

72.65 

in  .12 

151.09 

192.65 

235.83 

42 

35-73 

72.82 

m-35 

I5I-38 

192.95 

236.14 

43 

35.83 

73.02 

1 1 1. 63 

151.70 

I93-30 

236.48 

44 

35-94 

73.24 

in. 92 

152.05 

193.66 

236.82 

45 

36.09 

73-49 

112.26 

152.43 

194.05 

237.18 

46 

36.23 

73.76 

112. 61 

152.82 

194.44 

237.53 

47 

36.40 

74-05 

112.97 

i53-2i 

194.82 

237.87 

48 

36.56 

74.32 

113-32 

i53-6o 

195.20 

238.21 

49 

36.72 

74.61 

113.69 

154.00 

195.60 

238.55 

50 

36.90 

74.91 

114.07 

154.42 

196.01 

238.90 

5i 

37-09 

75-23 

114.49 

154.87 

196.45 

239.27 

52 

37.28 

75-58 

114.92 

155.35 

196.90 

239.66 

53 

37-50 

75.95 

115.40 

155.87 

197.41 

240.10 

54 

37-72 

76.36 

115. 91 

156.43 

197.97 

240.59 

55 

37-99 

76.80 

116.48 

157.06 

198.59 

241.13 

56 

38.26 

77.28 

117. 10 

157-75 

199.28 

241.73 

57 

38.55 

77-8i 

117.78 

158.51 

200.01 

242.37 

58 

38.87 

78.38 

118.52 

i59-3i 

200.81 

243.07 

59 

39-22 

78.99 

119.30 

160.17 

201.66 

243.82 

60 

39.6o 

79.64 

120.13 

161 .11 

202.58 

244.59 

61 

39-99 

80.34 

121 .04 

162. 11 

203.54 

.     245.40 

62 

40.42 

81.10 

122.01 

163.15 

204.54 

246.23 

63 

40.88 

81.91 

123.03 

164.25 

205.59 

247.08 

64 

41-39 

82.76 

124.10 

165.41 

206.68 

247.96 

65 

41.89 

83.64 

125.22 

166.60 

207.80 

248.84 

66 

42.42 

84.57 

126.38 

167.85 

208.98 

249.81 

67 

43.00 

85-55 

127.62 

169.18 

210.26 

250.99 

68 

43-59 

86.59 

128.93 

170.63 

211 .80 

252.60 

69 

44.20 

87.64 

130.32 

172.31 

213.76 

254.85 

70 

44.86 

88.83 

132.01 

174.51 

216.50 

258.14 

19Yr.End. 


Am.&% 


Of 

Life 

Insurance. 

231 

Table  No.  LXXI 

. — Continued. 

TERMINAL  N 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,     AMERICAN     EXPERIENCE, 

THREE    AND    ONE-HALF    PER 

CENT. 

7th 

8tli 

9th 

10th 

llth 

12th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

280.04 

327.09 

376.15 

427.30 

480.65 

536.29 

21 

279.99 

327.04 

376 

09 

427.23 

480.57 

536.21 

22 

279-95 

326.99 

376 

03 

427.17 

480.50 

536.12 

23 

279.92 

326.94 

375 

97 

427.10 

480 . 42 

536.03 

24 

279.88 

326.90 

375 

91 

427.03 

480.33 

535-94 

25 

279.85 

326.86 

375 

86 

426.96 

480.26 

535.85 

26 

279.81 

326.80 

375 

80 

426.88 

480 . 1 7 

535.75 

27 

279.78 

326.76 

375 

74 

426.81 

480.08 

535.65 

28 

279.76 

326.72 

375 

68 

426.74 

479-99 

535-54 

29 

279-73 

326.68 

375 

63 

426.67 

479.89 

535.42 

30 

279.71 

326.65 

375 

57 

426.59 

479-79 

535-30 

3i 

279.71 

326.63 

375 

53 

426.52 

479.70 

535-19 

32 

279.70 

326.60 

375 

48 

426.45 

479.61 

535-07 

33 

279.70 

326.58 

375 

45 

426.39 

479.52 

534-95 

34 

279-73 

326.59 

375 

43 

426.35 

479-45 

534.85 

35 

279.77 

326.62 

375 

44 

426.32 

479-39 

534-75 

36 

279.84 

326.67 

375 

46 

426.32 

479-34 

534.65 

37 

279.94 

326.75 

375 

52 

426.33 

479-30 

534-55 

38 

280.07 

326.87 

375 

59 

426.36 

479.27 

534-45 

39 

280.26 

327.02 

375 

7o 

426.41 

479.24 

534-33 

40 

280.47 

327.20 

375 

83 

426.46 

479.20 

534.19 

4i 

280.73 

327.42 

375 

98 

426.51 

479.14 

534.02 

42 

281 .02 

327.64 

376 

11 

426.54 

479.06 

533-8i 

43 

281.30 

327.86 

376 

23 

426.55 

478.94 

533-55 

44 

281.59 

328.06 

376 

33 

426.52 

478.77 

533.24 

45 

281.89 

328.27 

376 

42 

426.46 

478.56 

532.86 

46 

282.16 

328.45 

376 

46 

426.36 

478.27 

532.41 

47 

282.44 

328.60 

376 

48 

426.20 

477-93 

531-88 

48 

282.68 

328.73 

376 

45 

425.99 

477-53 

53L27 

49 

282.94 

328.84 

376 

•39 

425-74 

477.06 

530.58 

50 

283.18 

328.93 

376 

•3i 

425.45 

476.53 

529.80 

5i 

283.43 

329.04 

376 

.22 

425.12 

475-94 

528.94 

52 

283.71 

329-I5 

376 

11 

424.76 

475.30 

528.01 

53 

284.03 

329.28 

376 

00 

424-37 

474.60 

526.99 

54 

284.37 

329.42 

375 

89 

423.96 

473-86 

525.88 

55 

284.76 

329.60 

375 

79 

423.53 

473.05 

524.68 

56 

285.19 

329.80 

375 

•7o 

423.07 

472.18 

523.37 

57 

285.67 

330.02 

375 

58 

422.54 

471.20 

521.89 

58 

286.18 

330-25 

375 

43 

421.95 

470.09 

520.23 

59 

286.71 

33° -45 

375 

23 

421.24 

468.81 

518.34 

60 

287.24 

330-64 

374 

94 

420.41 

467.34 

516.19 

61 

287.78 

33°-77 

374 

57 

419.41 

465.65 

513.83 

62 

288 . 29 

330.85 

374 

08 

418.26 

463.81 

511.32 

63 

288.80 

330.88 

373 

5i 

4I7.05 

461.95 

508.81 

64 

289.31 

330.89 

372 

97 

415.92 

460 . 24 

506.50 

65 

289.83 

330.99 

372 

60 

4I5.07 

458.87 

504-58 

66 

290.52 

33L36 

372 

64 

414.74 

458.09 

503.24 

67 

291-57 

332.26 

373 

34 

415.17 

458.12 

502.66 

68 

293-25 

333-97 

375 

03 

416.69 

459.24 

503.18 

69 

295-77 

336.72 

377 

87 

419.40 

461.61 

504.66 

70 

299.58 

340.94 

382 

3° 

423.85 

465.54 

507-85 

Am.3i* 


19Yr.End 


232 


Principles  and  Practice 


Table  No.  LXXI 

. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  NINETEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,     AMERICAN     EXPERIENCE, 

THREE    AND    ONE-HALF    PER 

CENT. 

13th. 

14th 

15th 

lGth 

17th 

18th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

594.34 

654.90 

718.10 

784.06 

852.94 

924.86 

21 

594.25 

654.80 

718.01 

783.98 

852.87 

924.82 

22 

594-15 

654.71 

717.91 

783.90 

852.80 

924.78 

23 

594.06 

654-61 

717.82 

783.81 

852.73 

924.74 

24 

593.96 

654.51 

717.71 

783.7I 

852.65 

924.69 

25 

593-86 

654.40 

717.60 

783.61 

852.56 

924.63 

26 

593-75 

654.28 

717.48 

783-49 

852.47 

924.57 

27 

593.63 

654.15 

717-35 

783-37 

852.36 

924. 51 

28 

593.5o 

654.02 

717.21 

783.24 

852.25 

924.44 

29 

593-37 

653.87 

717.07 

783.09 

852.13 

924.37 

30 

593-24 

653.72 

716.91 

782   94 

852.00 

924.28 

31 

593 -IO 

653.57 

716.75 

.    782.78 

851.86 

924.19 

32 

592.96 

653.4I 

716.57 

782.61 

851.71 

924.09 

33 

592.82 

653.24 

716.38 

782.42 

851.54 

923.98 

34 

592.67 

653-07 

716.19 

782.21 

851.35 

923.85 

35 

592-53 

652.88 

715-97 

781.98 

851.14 

923.71 

36 

592.38 

652.68 

7I5-72 

781.72 

850.90 

923.56 

37 

592.22 

652.46 

715-45 

781.43 

850.64 

923.38 

38 

592.03 

652.20 

7I5-I5 

781. II 

850.35 

923.19 

39 

591-83 

651.91 

714.81 

780.74 

850.01 

922.96 

40 

59!-59 

65L59 

714.42 

780.33 

849 . 64 

922.72 

4i 

59i.3i 

651.22 

713.98 

779.86 

849.22 

922.44 

42 

590.98 

650.78 

7I3-47 

779-33 

848.74 

922.12 

43 

59°-59 

650.28 

712.88 

778.73 

848.20 

921.77 

44 

590.13 

649.70 

712.22 

778.04 

847.59 

921.37 

45 

589.60 

649.04 

711.47 

777.27 

846.90 

920.92 

46 

588.98 

648.28 

710.61 

776.40 

846.13 

920.41 

47 

588.28 

647.42 

709.65 

775.42 

845-26 

919.85 

48 

587.47 

646.44 

708.56 

774.31 

844.29 

919.21 

49 

586.56 

645-34 

707-35 

773.09 

843.20 

918.50 

5o 

585-55 

644.13 

706.00 

771.72 

841.99 

917.71 

5i 

584.43 

642.80 

704.52 

770.21 

840.65 

916.83 

52 

583-21 

641.32 

702.87 

768.54 

839.17 

915.85 

53 

581.87 

639 -71 

701.07 

766.69 

837.52 

914.77 

54 

580.41 

637-94 

699.08 

764 . 66 

835.70 

913-56 

55 

578.82 

635-99 

696.89 

762.40 

833.68 

912.23 

56 

577.07 

633-84 

694.46 

759.89 

831.43 

910.75 

57 

575- IO 

631.44 

691.74 

757-n 

828.95 

909.12 

58 

572.89 

628.74 

688.72 

754.03 

826.22 

907.32 

59 

57°-39 

625.74 

685.39 

750.66 

823.23 

905.34 

60 

567.62 

622.45 

681.78 

747.01 

819.97 

903. 15 

61 

564.62 

618.94 

677.94 

743 -IO 

816.45 

9oo.75 

62 

561.50 

615.30 

673.92 

738.97 

812.64 

898.12 

63 

558.39 

611.65 

669.84 

734.67 

808.61 

895.22 

64 

555-49 

608.14 

665.77 

730.27 

804 . 29 

892.05 

65 

552.93 

604.87 

661.83 

725.70 

799.66 

888.56 

66 

550.87 

602.00 

657-93 

720.99 

794-73 

884.75 

67 

549-50 

599.47 

654.20 

716.23 

789.59 

880.58 

68 

548.94 

597-53 

650.91 

711.79 

784.46 

876.03 

69 

549-3° 

596.69 

648.75 

708.25 

779-57 

871.06 

70 

551-52 

597-85 

648.57 

706.11 

775-15 

865.64 

5Yr.Term 


Am.3i* 


Of  Life  Insurance 

233 

Table  No.  LXXII. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  FIVE-YEAR  TERM  POLICIES,  AMERICAN  EX- 

PERIENCE,   THREE   AND    ONE-HALF   PER    CENT. 

Net 

Terminal  Net  Values  at  the  End  of 

Age. 

Premiums. 

1st 

2d 

3d 

4th 

Year. 

Year. 

Year. 

Year. 

20 

7.64 

.10 

•15 

•15 

.11 

21 

7.69 

.10 

•*5 

.16 

.11 

22 

7-74 

.10 

•15 

•17 

.12 

23 

7-79 

.11 

•17 

.18 

.12 

24 

7-85 

.11 

.18 

.19 

•13 

25 

7.92 

•13 

.20 

.21 

.14 

26 

7-99 

.13 

.21 

•23 

.16 

27 

8.06 

•15 

•23 

.24 

.16 

28 

8.14 

.16 

.25 

•25 

.18 

29 

8.23 

•17 

•27 

.27 

.19 

30 

8.32 

.18 

.29 

•30 

.21 

31 

8.42 

.20 

•32 

•33 

.22 

32 

8-53 

.22 

•34 

•35 

•25 

33 

8.65 

•23 

.36 

•39 

•27 

34 

8.78 

.26 

.42 

•43 

•31 

35 

8-93 

.29 

.46 

.49 

•34 

36 

9.09 

•32 

•5i 

•53 

•38 

37 

9.27 

.36 

•55 

•59 

.41 

38 

9.46 

.38 

.61 

.64 

•45 

39 

9.67 

•43 

.66 

.70 

•  49 

40 

9.91 

•47 

•74 

.78 

•55 

4i 

10.17 

•53 

.83 

.88 

.61 

42 

10.47 

•59 

•94 

•99 

.70 

43 

10.80 

.67 

1.06 

1. 12 

•79 

44 

11. 18 

•75 

1.20 

1.27 

.90 

45 

11.62 

.87 

1.38 

1.46 

1.05 

46 

12.12 

1. 00 

1.58 

1.69 

1. 19 

47 

12.68 

1. 14 

1.82 

i-93 

i-37 

48 

13-33 

1.30 

2.06 

2.19 

1-54 

49 

14.06 

1.47 

2.32 

2-45 

1.72 

5o 

14.88 

1.64 

2-59 

2.73 

i-93 

5i 

15-79 

1.83 

2.89 

3-°5 

2.15 

52 

16.81 

2.04 

3-23 

3 -4o 

2.41 

53 

17.94 

2.28 

3.60 

3.80 

2.67 

54 

19.20 

2-53 

3-99 

4.21 

2-95 

55 

20.60 

2.80 

4.42 

4.66 

3-29 

56 

22.15 

3.10 

4.90 

5-i7 

3-64 

57 

23.86 

3-43 

5-43 

5-73 

4.05 

58 

25.75 

3.81 

6.02 

6.36 

4.48 

59 

27.84 

4.20 

6.65 

7.02 

4-95 

60 

3°- 15 

4-63 

7-34 

7-75 

5.48 

Am.3i* 


lOYr.Term 


234 


Principles  and  Practice 


Table  No. 

LXXIII. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  TEN-YEAR  TERM  POLICIES,  AMERICAN  EX- 

PERIENCE, THREE  AND  ONE-HALF  PER  CENT. 

Age. 

H 

Terminal  Net 

Values 

AT    THE 

End  of 

a 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

9th 

20 

£ 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

7.76 

.24 

.42 

•56 

.67 

.72 

•71 

.65 

•51 

.29 

21 

7.82 

.24 

.44 

.60 

•71 

.76 

•77 

.69 

•55 

•33 

22 

7.88 

.25 

•45 

.64 

.76 

.82 

.82 

•75 

•59 

•34 

23 

7-95 

.27 

•49 

.68 

.81 

.87 

•87 

•79 

.63 

•36 

24 

8.02 

.29 

•54 

•73 

•87 

•95 

•95 

.86 

.68 

.40 

25 

8.10 

•32 

.58 

.80 

•94 

1.03 

1.02 

•93 

•74 

.44 

26 

8.18 

•34 

.62 

.86 

1.02 

1.09 

1. 10 

1. 01 

.80 

.46 

27 

8.27 

•37 

.68 

93 

1.09 

1. 19 

1.20 

1.08 

.86 

•50 

28 

8-37 

.40 

•74 

1. 00 

1.20 

1.30 

1.29 

1. 17 

•94 

•55 

29 

8.47 

•43 

.80 

1.09 

1.30 

1.40 

1. 41 

1.30 

1.04 

.61 

30 

8-59 

•47 

.87 

1. 19 

1.42 

1-54 

i-55 

1.42 

1. 14 

.66 

31 

8.72 

•5i 

.96 

1.30 

1.56 

1.70 

1. 71 

1.58 

1.25 

•74 

32 

8.86 

•57 

1 .04 

1-43 

1. 71 

1.87 

1.89 

i-73 

1.38 

.81 

33 

9.01 

.61 

*«*3 

J-57 

1.88 

2.06 

2.07 

1.90 

i-5i 

.90 

34 

9.18 

.67 

1.27 

l-n 

2.08 

2.26 

2.28 

2.09 

1.67 

.98 

35 

9-36 

•75 

1.40 

1.92 

2.29 

2.50 

251 

2.30 

1.85 

1. 10 

36 

9-57 

•83 

i-54 

2. ii 

2-53 

2-75 

2.78 

2.56 

2.06 

1.22 

37 

9.80 

.92 

1.70 

2-34 

2.80 

3-o6 

3-09 

2.86 

2.29 

i-37 

38 

10.06 

1. 01 

1.88 

2-59 

3.12 

3.4i 

3-46 

3.20 

2.58 

i-55 

39 

10.34 

I-13 

2.10 

2.90 

3.5o 

3.84 

3.89 

3.61 

2.92 

1.74 

40 

10.67 

1.26 

2.36 

3.27 

3-95 

4.34 

4.42 

4.10 

3-33 

2.00 

4i 

11.03 

1-43 

2.67 

3.7i 

4.47 

4.94 

5.03 

4.68 

3.80 

2.28 

42 

n.45 

1. 61 

3-04 

4-21 

5.10 

5.63 

5-75 

5-36 

4-34 

2.60 

43 

11.92 

1.84 

3-45 

4.80 

5.8o 

6.43 

6.56 

6.10 

4.94 

2-95 

44 

12.45 

2.08 

3-92 

5-45 

6.60 

7.3i 

7-44 

6.92 

5.58 

3-32 

45 

13.05 

*4 

4.46 

6.19 

I'51 

8.29 

8-43 

7.80 

6.29 

3-76 

46 

J3.73 

2.69 

5.05 

7.02 

8.48 

9-35 

9.48 

8.77 

7.07 

4.21 

47 

!4.5° 

3.04 

5-7i 

7.91 

9-54 

10.49 

10.63 

9-83 

7.92 

4.72 

48 

*5.35 

3-42 

6.40 

8.86 

10.67 

11.72 

11.88 

10.98 

8.85 

5.26  • 

49 

16.31 

3.82 

7-15 

9.88 

11.89 

13.06 

*3«»3 

12.23 

9-85 

5.85 

5o 

J7-37 

4.26 

7.96 

10.98 

x3-23 

J4-53 

14.72 

13-60 

10.94 

6.52 

5i 

i8.55 

4.72 

8.83 

12.20 

14.69 

16.13 

16.34 

15.09 

12.16 

7.24 

52 

19.86 

5.24 

9.80 

*3-53 

16.30 

17.89 

18.12 

16.75 

*3*5i 

8.05 

53 

21.30 

5.82 

10.86 

15.00 

18.05 

19.82 

20.08 

18.58 

14.97 

8-93 

54 

22.90 

6.42 

12.01 

16.58 

^.95 

21.92 

22.23 

20.56 

16.58 

9.90 

55 

24.67 

7.10 

X3-25 

18.30 

22.05 

24.23 

24.58 

22.75 

18.36 

10.96 

56 

26.62 

7.82 

14.62 

20.20 

24.34 

26.76 

27.15 

25.14 

20.32 

12.16 

57 

28.76 

8.62 

l6.I2 

22.28 

26.86 

29.54 

29.98 

27.80 

22.50 

13-47 

58 

31.12 

9-5o 

x7-75 

24.55 

29-59 

32.56 

33- 10 

30.73 

24.89 

14.92 

59 

33-72 

10.43 

x9.53 

27.01 

32.58 

35-9o 

36.53 

33-94 

27.52 

16.52 

60 

36.57 

11.46 

21.45 

29.69 

35.86 

39-54 

40.26 

37-45 

30.41 

18.27 

15Yr.Term 


Am.3J* 


Of  Life  Insurance. 

235 

Table  No.  LXXIV. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  FIFTEEN-YEAR  TERM   POLICIES, 

AMERICAN 

EXPERIENCE 

,  THREE  AND  ONE-HALF  PER  CENT 

Age. 

Net 
Pre- 
miums. 

Terminal  Net  Values 

AT  THE  End  of 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5th 

Year. 

6th 

Year. 

7th 

Year. 

20 
21 
22 
23 
24 

7.91 
7.98 
8.05 

8.13 
8.22 

o-39 

.40 

•43 

•47 
•5° 

O.74 
.78 
.82 
.89 
•97 

I.05 
1. 12 
I.20 
I  .29 
1-39 

1-33 
1. 41 
1.52 
I.63 
I.77 

1.56 

1.66 
1.79 

1-93 
2.10 

I.74 
I.87 
2.02 
2.17 

2-35 

1.88 
2.02 
2.17 
2.34 
2.54 

25 
26 

27 
28 
29 

8.32 
8.42 
8-53 

8.66 
8.79 

•55 
•59 
.64 
.70 
.76 

I.05 
1. 14 
I.24 

i-35 
1.47 

1.65 
1.79 

1-95 
2.12 

I.92 
2.09 
2.27 
2.48 
2.7I 

2.28 
2.46 
2.69 
2-95 
321 

2-55 
2.78 

3.04 
3.31 
3.62 

2.76 
3.01 
3.28 
3.58 
3-94 

30 
31 
32 

33 
34 

8.94 
9.10 
9.28 
9.48 
9.70 

.83 

.91 

1. 01 

I.  19 
1.22 

1. 61 

1.78 
i-95 
2.14 
2-39 

2-33 
2.56 
2.8l 

3" 
3-46 

2.97 

3-27 
3.60 

3.98 

4.43 

3-53 
3.88 
4.29 

4.75 
5.26 

3.98 
4.40 
4.86 
5-37 
5.97 

4-33 
4.78 
5-27 
5-84 
6-49 

35 
36 
37 
38 
39 

9-95 
10.24 

io-55 
10.91 

11. 31 

i-37 
1.52 
1.70 
1 .90 
2.14 

2.66 
2.96 
3-3° 
3-7° 
4.16 

3.85 
4.29 
4.81 

5.39 
6.06 

4-93 
5-5° 
6.16 

6-93 
7.82 

5-87 
6.55 
7-36 
8.29 

9-37 

6.65 

7.45 
8.38 

9-45 
10.69 

7-25 

8.13 

9.17 

10.36 

12.73 

40 
41 
42 
43 
44 

11.76 
12.26 
12.83 
13.46 
14.17 

2.40 
2.71 
3-°5 
3-45 
3-88 

4.69 
5-3° 
5-99 
6-75 
7.61 

6.85 

7-74 

8.74 

9.87 

11. 11 

8.83 

9-97 
11.28 
12.73 
14.34 

10.59 
11.99 

13.55 
15.30 
17.22 

12.10 

13.70 
15.49 
17-47 
19.64 

13.29 

15.05 
17.01 
19.17 
21.52 

45 
46 
47 
48 
49 

14.97 
I5-85 
16.84 
17.94 
19-15 

4.38 
4.91 
5-49 
6.13 
6.80 

8.56 

9.60 

10.74 

"•95 
13.26 

12.49 
14.01 
15.64 
17.40 
19.28 

16.12 
18.03 
20.12 
22.36 
24-77 

19.32 
21 .60 
24.06 
26.72 
29.60 

22.02 
24.58 
27.36 
30.38 
33.65 

24.08 
26.87 
29.90 
33-19 
36.76 

50 
5i 
52 
53 
54 

20.49 
21.97 
23.60 
25-39 
27-35 

7-53 

8.31 

9.18 

10. 11 

11. 11 

14.67 
16.20 
17.88 
19.68 
21.64 

21.33 
23-56 
25.98 
28.61 
31-45 

27.40 
30.26 
33-37 
36.73 
40.37 

32.74 
36.15 
39.87 
43-90 
48.26 

37.22 
41.09 
45.31 
49.91 
54.9o 

40.66 
44.89 
49.52 
54.56 
60.03 

55 
56 
57 
58 
59 

29.50, 

31-86 

34-42 

37.21 

40.23 

12.19 

13-35 
14.60 

15-95 
17-35 

23-74 
26.01 
28.46 
31.06 
33-81 

34.5o 
37.82 
41.38 
45.18 
49.17 

44.33 
48.59 
53.i8 
58.07 
63.22 

53-oi 
58.13 
63.63 
69.49 

75.70 

60.32 
66.16 
72.46 
79.18 
86.31 

65.99 
72.42 

79-37 
86.80 
94.64 

60 

43-5° 

18.82 

36.68 

53-37 

68.65 

82.22 

93-75 

102.84 

Am.3i* 


15Yr.Term 


236 

Principles  and  Practice 

Table  No.  LXXIV.— Concluded. 

NET    ANNUAL 

PREMIUMS    AND    TERMINAL 

NET    VALUES 

PER  Jiooo  ON  1            1EN-YEAR  1 

AMERICAN  EXPERIENCE,  THREE  AND 

ONE-HALF  PER  CENT. 

Age. 

Terminal  Net  Values  at  the  End 

OF 

8th 

9th 

10th 

11th 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

1-95 

1-95 

I.89 

I  .72 

1.47 

1 .11 

.62 

21 

2.O0 

2.IO 

2.02 

1.86 

i-59 

1. 19 

.67 

22 

2.26 

2.26 

2.18 

2.01 

1. 71 

I.28 

•72 

23 

2.44 

2-45 

2-37 

2.17 

1-85 

i-39 

•79 

24 

2.65 

2.67 

2-57 

2.36 

2.02 

i-53 

.86 

25 

2.88 

2.90 

2.80 

2-59 

2.21 

1.68 

•  94 

26 

3-14 

3-l6 

3-°7 

2.83 

2.43 

1.83 

1.03 

27 

3-43 

3-46 

3-35 

3.10 

2.66 

2.01 

1  -13 

28 

3-76 

3.80 

3-68 

3 -4o 

2.92 

2.21 

1.25 

29 

4.12 

4.17 

4.04 

3.72 

3-19 

2.42 

i-37 

30 

4-54 

4-57 

4-44 

4.09 

3-53 

2.68 

i-53 

31 

5.00 

5-°5 

4.90 

4-54 

3-9i 

2.98 

1.68 

32 

5-53 

5-59 

5-44 

5-°3 

4-35 

3-3i 

1.89 

33 

6.12 

6.21 

6.04 

5.61 

4.85 

3-7o 

2.ti 

34 

6.82 

6.92 

6.76 

6.28 

5-44 

4.16 

2.^8 

35 

7.64 

7-77 

7.60 

7.08 

6.14 

4.72 

2.71 

36 

8-59 

8.75 

8.58 

8.01 

6.96 

5-36 

3-°7 

37 

9.69 

9.90 

9.72 

9.09 

7.92 

6.09 

3.50 

38 

10.97 

11 .22 

11.03 

i°-33 

8.99 

6.92 

3-96 

39 

12.43 

12.72 

12.52 

1 1 .  70 

10.18 

7.82 

4-47 

40 

14.09 

14-43 

14.17 

13-25 

11. 51 

8.82 

5.o4 

4i 

15.96 

16.31 

16.02 

14.94 

12.96 

9-93 

5.68 

42 

18.01 

18.39 

18.03 

16.80 

14.58 

11. 17 

6.38 

43 

20.27 

20.67 

20.25 

18.87 

16.36 

12.52 

7-i5 

44 

22.73 

23-15 

22.67 

21. 11 

18.28 

13-99 

7-99 

45 

25.41 

25.89 

25-33 

23-57 

20.41 

i5-6i 

8.92 

46 

28.35 

28.85 

28.22 

26.25 

22.73 

17.40 

9-94 

47 

31-53 

32.09 

31.38 

29.19 

25.28 

!9-35 

11 .06 

48 

34-99 

35 -6o 

34.82 

32.41 

28.08 

21.51 

12.30 

49 

38.76 

39-44 

38.59 

35-92 

2>^^2> 

23.86 

13.65 

5o 

42.86 

43-63 

42.70 

.    39-77 

34.48 

26.44 

15-14 

5i 

47-35 

48.21 

47.20 

43-99 

38.17 

29.30 

16.80 

52 

52.25 

53-23 

52.14 

48.61 

42.23 

32.46 

18.63 

53 

57-59 

58.69 

57-53 

53-7° 

46.71 

35.92 

20.65 

54 

03-39 

64.66 

63-44 

59.28 

51.61 

39-74 

22.89 

55 

69.72 

71 .16 

69.89 

65-37 

56.98 

43-95 

25.34 

56 

76.58 

78.24 

76.91 

72.01 

62.84 

48.54 

28.04 

57 

84.00 

85.88 

84.50 

79.21 

69 .20 

53-52 

30.95 

58 

91.91 

94.05 

92.61 

86.89 

76.00 

58.82 

34.03 

59 

100.27 

102 .66 

101 .16 

94.96 

83.09 

64.33 

37.23 

60 

109.00 

1 1 1 . 64 

110.05 

io3-33 

90.43 

70.04 

40.59 

20Yr.Term 


Am.3^ 


Of  Life  Insurance. 

237 

Table  No.  LXXV 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

81000  ON  TWENTY- YEAR  TERM  POLICIES, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Terminal  Net  Values  at  the 

End  of 

Age. 

Net 
Pre- 

miums. 

1st 

2d 

3d 

4th 

5th 

6th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

8.09 

.58 

1. 12 

I.63 

2.13 

2.58 

2.99 

21 

8.17 

.61 

1. 19 

I.76 

2.28 

2-77 

3-24 

22 

8.27 

.65 

I  .27 

I.89 

2.47 

3.01 

3-50 

23 

8-37 

•71 

i-39 

2.05 

2.67 

3.26 

3.80 

24 

8.48 

.76 

i-5i 

2.22 

2.90 

3-55 

4.13 

25 

8.60 

.84 

1.65 

2-43 

3.16 

3.87 

4.50 

26 

8-73 

.91 

1.79 

2.65 

3-45 

4.20 

4-93 

27 

8.87 

I. OO 

1 .96 

2.89 

3-77 

4.62 

5.4o 

28 

9-03 

I.09 

2.15 

3-17 

4.15 

5.08 

5-93 

29 

9.21 

1 .20 

2.36 

3-48 

4-57 

5.58 

6-53 

30 

9.40 

I.32 

2.60 

3.85 

5-o5 

6.18 

7.24 

31 

9.62 

I  .46 

2.89 

4.27 

5.60 

6.86 

8.05 

32 

9.87 

I.62 

3.20 

4.74 

6.23 

7-65 

8.98 

33 

IO.14 

I.79 

3-55 

5-28 

6.94 

8-53 

10.02 

34 

IO.45 

2.00 

3.98 

5-90 

7-77 

9-53 

11 .21 

35 

IO.80 

2.25 

4-45 

6.6l 

8.69 

10.68 

12.56 

36 

II. 18 

2-51 

4.98 

7-39 

9-73 

11.96 

14.10 

37 

II  .61 

2.81 

5-57 

8.28 

10.90 

.     13-43 

-15-83 

38 

I2.IO 

3-14 

6.24 

9.28 

12.24 

15.08 

17.79 

39 

12.63 

3-52 

6.99 

10.40 

13-74 

16.95 

20.00 

40 

I3-23 

3-94 

7.84 

11.67 

15-42 

19.02 

22.47 

4i 

13.89 

4.42 

8.79 

13.10 

17.29 

21-35 

25.21 

42 

14.63 

4.94 

9-85 

14.68 

19.38 

23.92 

28.24 

43 

15-45 

5-54 

11 .02 

16.42 

21.67 

26.75 

31-57 

44 

16.37 

6.17 

12.30 

18.32 

24.19 

29.84 

35-17 

45 

17-37 

6.89 

13.71 

20.41 

26.94 

33.19 

39.10 

46 

18.49 

7.67 

15.24 

22  .69 

29.89 

36.81 

43.31 

47 

19.71 

8.50 

16.91 

25.12 

33-09 

40.69 

47.87 

48 

21.06 

9.41 

18.67 

27.74 

36.50 

44-87 

52.77 

49 

22.55 

10.36 

20.57 

30-52 

40.15 

49-36 

58.05 

50 

24.17 

"•39 

22.59 

33-52 

44.10 

54.21 

63.73 

5i 

25-94 

12.48 

24-75 

30.74 

48.32 

59-39 

69.82 

52 

27.87 

13.66 

27.09 

40.18 

52.84 

64.94 

76.34 

53 

29-95 

14.92 

29.56 

43-84 

57.63 

70.83 

83.29 

54 

32.21 

16.23 

32.16 

47.69 

62.69 

77-05 

90.61 

55 

34-64 

17.61 

34.88 

51-72 

68.01 

83-59 

98.30 

56 

37-25 

19.04 

37-73 

55-95 

73-55 

90.41 

106.31 

57 

40.04 

20.55 

40.71 

60.34 

79-32 

97.48 

114.63 

58 

43 -°3 

22.12 

43-79 

64.90 

85.29 

104.80 

123.25 

59 

46.24 

23.71 

46.96 

69.59 

91.45 

112.37 

132.16 

60 

49.66 

25-38 

5°.23 

74.43 

97.81 

120.18 

141.32 

Am.3J* 


20  Yr.  Term 


-3* 

Principles  and  Practice 

Table  No.  LXXV.— Continued. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

tiooo  ON  TWENTY- YEAR  TERM  POLICIES, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

Terminal  Net  Values  at  the  End 

OF 

7th 

8th 

9th 

10th 

11th 

12th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-37 

3.60 

3.96 

4.17 

4.29 

4-33 

4.29 

21 

3-64 

3-99 

4.29 

4-5° 

4.66 

4.72 

4.66 

22 

3-95 

4-33 

4.65 

4.89 

5-07 

5-12 

5-07 

23 

4.28 

4.71 

5.06 

5-34 

5.51 

5-58 

5-53 

24 

4.66 

5-13 

5.52 

5.8i 

6.01 

6.IO 

6.06 

25 

5-°9 

5.60 

6.03 

6.36 

6.60 

6.69 

6.65 

26 

5-57 

6.13 

6.60 

6.98 

7-23 

7-35 

7-3° 

27 

6.10 

6.72 

7.26 

7.67 

7.96 

8.09 

8.05 

28 

6.71 

7.41 

8.00 

8.47 

8-79 

8.94 

8.89 

29 

7.41 

8.19 

8.85 

9.36 

9-73 

9.90 

9.87 

30 

8.22 

9.09 

9.81 

10.40 

10.81 

11 .04 

11 .02 

31 

9.14 

IO.IO 

IO.93 

11 .60 

12.08 

12.34 

12.35 

32 

10.19 

II.28 

12.21 

12.98 

13-54 

13.86 

13-88 

33 

u-39 

12  .6l 

I3.69 

14.56 

15.22 

15-59 

15.64 

34 

i2-75 

I4.I5 

15-37 

16.38 

17.12 

17-57 

17-65 

35 

14.31 

I5.90 

17.29 

18.45 

19.31 

19.83 

19-94 

36 

16.07 

17.89 

19.46 

20.79 

21.78 

22.38 

22.51 

37 

18.08 

20.I2 

21.93 

23.42 

24.55 

25.24 

25-37 

38 

20.33 

22.65 

24.69 

26.38 

27.66 

28.41 

28.54 

39 

22.86 

25-47 

27.77 

29.68 

31.08 

3i-9i 

32.02 

40 

25.68 

28.62 

31-19 

33-30 

34.87 

35-75 

35.85 

4i 

28.82 

32.IO 

34-95 

37-29 

39.00 

39-97 

40.07 

42 

32.27 

35.91 

39.07 

41.64 

43-52 

44-59 

44.68 

43 

36.03 

4O.07 

43-55 

46.39 

48.47 

49.64 

49.72 

44 

40.12 

44-57 

48.42 

5I-56 

53-85 

55-12 

55-2o 

45 

44-55 

49-45 

53-7i 

57-17 

59-68 

61 .09 

61.18 

46 

49-33 

54-75 

59-44 

63-25 

66.03 

67.58 

67.69 

47 

54.5o 

60.47 

65.64 

69.84 

72.91 

74.64 

74.78 

48 

60.07 

66.64 

72.33 

76.96 

80.37 

82.30 

82.49 

49 

66.07 

73.29 

79-55 

84.68 

88.44 

90.60 

90.86 

5o 

72.54 

80.46 

87.36 

93.02 

97.18 

99.60 

99.93 

5i 

79-47 

88.18 

95-76 

101 .99 

106.61 

109.32 

109.77 

52 

86.91 

96.46 

104.78 

in. 63 

116.73 

119.79 

120.38 

53 

94.83 

105.26 

114-37 

121 .90 

127.56 

130.98 

131-71 

54 

103.17 

"4.55 

124.51 

132.77 

139.00 

142.81 

U3-71 

55 

in. 94 

124.31 

135-16 

144.18 

151. 01 

155-23 

156.31 

56 

121.08 

134.49 

146.27 

156.07 

163.53 

168.16 

169.41 

57 

!3°-57 

145-07 

157-79 

168.41 

176.50 

181.57 

182.99 

58 

140.41 

156.00 

169.71 

181. 16 

189.92 

195-45 

197.04 

59 

i5o-55 

167.28 

182.01 

194.34 

203.80 

209.80 

211.65 

60 

160.99 

178.90 

194.68 

207.93 

218.13 

224.71 

226.96 

20  Yr.  Term 


Am.&% 


Of 

Life  Insurance. 

239 

Table  No.  LXXV .—Concluded. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  TWENTY-YEAR  TERM  POLICIES,  AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

Terminal  Net  Values  at  the  End  of 

14th 

15th 

16th 

17th 

18th 

19th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

4.13 

3.85 

3-44 

2.87 

2.13 

1. 18 

21 

4.49 

4.19 

3.76 

3-14 

2.32 

I.29 

22 

4.90 

4-58 

4.10 

3-42 

2-53 

I.40 

23 

5'£ 

5.01 

4.48 

3-75 

2-77 

xa 

24 

5.86 

5.48 

4.91 

4.10 

3-°4 

1.68 

25 

6.43 

6.03 

5-39 

4.51 

3-35 

1.86 

26 

7.06 

6.62 

5-93 

4-97 

3-7i 

2.06 

27 

7-79 

7-31 

6-57 

5-52 

4. 11 

2.30 

28 

8.63 

8. 11 

7-3o 

6.14 

4-59 

2.56 

29 

9-59 

9.04 

8.14 

6.86 

5-i3 

2.87 

30 

10.73 

10. 11 

9-13 

7-73 

5-79 

3.26 

31 

12.03 

"•37 

10.29 

8.72 

6-55 

3.68 

32 

1356 

12.84 

11 .64 

9.88 

7-43 

4.18 

33 

15-30 

14.51 

13.18 

11. 18 

8.40 

4.72 

34 

17.29 

16.42 

14.89 

12.64 

9.49 

5-33 

35 

19-55 

18.55 

16.82 

14.25 

10.70 

6.01 

36 

22.05 

20.92 

18.96 

16.04 

12.04 

6.77 

37 

24.84 

23-53 

21.32 

18.05 

13-53 

7.60 

38 

27.92 

26.43 

23-93 

20.24 

15.18 

8.52 

39 

3i-3i 

29.63 

26.81 

22.68 

17.00 

9-53 

40 

35-04 

33-14 

29.98 

25-33 

18.98 

10.65 

4i 

39-14 

37.00 

33-46 

28.28 

21.20 

11.90 

42 

43.62 

41.23 

37.28 

3i-52 

23.64 

13-27 

43 

48.53 

45-87 

41.49 

35.o8 

26.32 

14.78 

44 

53-89 

50.94 

46.08 

38.98 

29.25 

16.43 

45 

59-73 

56.48 

51. xi 

43-25 

32.46 

18.26 

46 

66.11 

62.53 

56.61 

47-93 

36.02 

20.29 

47 

73.06 

69.14 

62.62 

53-o8 

39-94 

22.52 

48 

80.62 

76-35 

69.23 

58.74 

44.24 

24.98 

49 

88.86 

84.21 

76.45 

64.94 

48.98 

27.70 

5o 

97.82 

92.81 

84.33 

71.71 

54.17 

30.67 

5i 

107.55 

102.13 

92.91 

79.12 

59.85 

33 -96 

52 

118.04 

112. 21 

102.20 

87-15 

66.03 

37-5i 

53 

129.27 

123.01 

112. 15 

95-75 

72.61 

41.29 

54 

141 .16 

134.43 

122.67 

104.81 

79-53 

45.25 

55 

153 -62 

146.39 

133.66 

114.26 

86.77 

49-45 

56 

166.58 

158.82 

145-07 

124.13 

94.42 

53-94 

57 

180.00 

171.70 

157.00 

134.54 

102.60 

58.82 

58 

193-94 

185.19 

169.63 

145-77 

in. 56 

64.28 

59 

208.55 

199-53 

183.29 

158. 11 

121 .62 

7o-5i 

60 

224.10 

215 .02 

198.29 

171 .90 

133.02 

77.63 

COST  OF  INSURANCE. 

American    Experience   Table    of 
Mortality. 

INTEREST,  THREE  AND  ONE-HALF 
PER  CENT. 


Am.3J* 


S.P 


240 

Principles 

AND    PRAC 

riCE 

Table  No.  LXXVI. 

COST   OF  INSURANCE   PER   $1000   OF   AN   ORDINARY   LIFE, 

SINGLE     PREMIUM     POLICY,     AMERICAN     EXPERI- 

ENCE,   THREE    AND    ONE-HALF    PER    CENT. 

Age. 

Cost  of 

Age. 

Cost  of 

Age. 

Cost  of 

Insurance. 

Insurance. 

Insurance. 

20 

5-55 

45 

5-96 

70 

14.99 

21 

5-55 

46 

6.06 

71 

I5-63 

22 

5-55 

47 

6.16 

72 

16.24 

*3 

5-54 

48 

6.29 

73 

16.82 

24 

5-54 

49 

6.44 

74 

17.36 

25 

5-53 

50 

6.62 

75 

17.87 

26 

5-53 

5i 

6.82 

76 

18.35 

27 

5-53 

52 

7.04 

77 

18.82 

28 

5-53 

53 

7.28 

78 

19.29 

29 

5-53 

54 

7-55 

79 

'9:77 

30 

5-53 

55 

7.84 

80 

20.31 

31 

5-53 

56 

8.15 

81 

20.83 

32 

5-54 

57 

8.48 

82 

21.31 

33 

5-55 

58 

8.84 

83 

21.69 

34 

5.56 

59 

9.22 

84 

22.03 

35 

5-57 

60 

9  63 

85 

22.45 

36 

5.58 

61 

10.06 

86 

23-03 

37 

5.60 

62 

10.52 

87 

23-79 

38 

5-63 

63 

11 .00 

88 

24-55 

39 

5.66 

64 

11.50 

89 

25.08 

40 

5-69 

65 

12.03 

90 

25.49 

4i 

5-73 

66 

12.58 

91 

26.23 

42 

5-77 

67 

13-15 

92 

27.72 

43 

5.82 

68 

13-75 

93 

28.25 

44 

5.89 

69 

14.36 

94 

28.99 

O.L. 


Am.3i% 


Of  Life  Insurance 


241 


Table  No.  LXXVII. 

COST 

OF   INSURANCE    PER    $1000 

OF   AN    ORDINARY 

LIFE 

POLICY 

DURING    VARIOUS    YEARS, 

AMERICAN    EX- 

PERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.76 

7.76 

7-75 

7-75 

7-75 

7-74 

7-74 

7-74 

21 

7.81 

7.80 

7.80 

7-79 

7-79 

7-79 

7-79 

7.78 

22 

7-85 

7.85 

7.84 

7-84 

7.84 

7.84 

7-83 

7.84 

23 

7.90 

7.90 

7.89 

7.89 

7.89 

7.89 

7.89 

7.89 

24 

7-95 

7-94 

7-95 

7-94 

7-94 

7-95 

7-95 

7-95 

25 

8.00 

8.00 

8.00 

8.00 

8.00 

8.01 

8.01 

8.01 

26 

8.07 

8.06 

8.06 

8.07 

8.07 

8.07 

8.07 

8.09 

27 

8.13 

8.13 

8.13 

8.13 

8.13 

8.14 

8.16 

8.17 

28 

8.19 

8.20 

8.20 

8.20 

8.21 

8.22 

8.24 

8.25 

29 

8.27 

8.27 

8.27 

8.28 

8.30 

8.31 

8.32 

8-35 

30 

8-35 

8.35 

8.36 

8-37 

8.38 

8.39 

8.42 

8.45 

31 

8.43 

8-43 

8-45 

8.46 

8.47 

8.<?o 

8-53 

8-57 

32 

8.52 

8.54 

8-55 

8.56 

8-59 

8.61 

8.66 

8.70 

33 

8.62 

8.64 

8.65 

8.68 

8.70 

8-75 

8.79 

8.85 

34 

8.73 

8.74 

8.77 

8.80 

8.84 

8.88 

8.94 

9.00 

35 

8.84 

8.87 

8.90 

8.94 

8-99 

9-°5 

9.10 

9.17 

36 

8.98 

9.00 

9-°5 

9.09 

9.i5 

9.21 

9.28* 

9-36 

37 

9.12 

9.16 

9.21 

9.27 

9.32 

9.40 

9.48 

9-59 

38 

9.28 

9-33 

9.39 

9-45 

9-52 

9.60 

9.71 

9.83 

39 

9-45 

9-52 

9-57 

9-65 

9-73 

9-85 

9.96 

10.12 

40 

9-65 

9.71 

9-79 

9.87 

9-99 

10.10 

10.26 

10.44 

4i 

9-85 

9-93 

10.02 

10.13 

10.26 

10.42 

10.60 

10.81 

42 

10.09 

10.17 

10.29 

10.41 

10.58 

10.76 

10.98 

11.25 

43 

10.34 

10.46 

10.58 

io.75 

10.94 

11 .16 

11.44 

n-75 

44 

10.64 

10.77 

10.94 

11 .12 

n-35 

11.63 

11 .96 

12.32 

45 

10.96 

11. 13 

11.32 

n.56 

11.84 

12.17 

12.54 

12.94 

46 

11-34 

n-53 

Ii-77 

12.06 

12.40 

12.77 

13.18 

13-63 

47 

11.76 

12.00 

12.30 

12.64 

13.02 

13.44 

13.90 

14.41 

48 

12.25 

12-55 

12.90 

13.29 

13.72 

14.18 

14.71 

i5-27 

49 

12.82 

13.17 

13-57 

14.01 

14.49 

15.02 

15.59 

16.22 

5o 

13-47 

13.87 

14.32 

14.81 

15-36 

15.94 

16.58 

17.26 

5i 

14.20 

14.66 

15.16 

i5-7i 

16.31 

16.97 

17.66 

18.40 

52 

15.01 

15-52 

16.09 

16.71 

I7-38 

18.09 

18.85 

19.67 

53 

15.92 

16.50 

17. 13 

17.81 

18.55 

19.32 

20.16 

21.05 

54 

16.93 

17.58 

18.28 

19.03 

19.83 

20.69 

21 .61 

22.58 

55 

18.06 

18.78 

19-55 

20.37 

21 .26 

22.20 

23.20 

24.25 

56 

19.32 

20.11 

20.95 

21.86 

22.83 

23.85 

24.94 

26.06 

57 

20.70 

21-57 

22.51 

23-50 

24.56 

25.67 

26.83 

28.05 

58 

22.23 

23.20 

24.22 

25-31 

26.46 

27.65 

28.91 

3o.25 

59 

23-93 

24.99 

26.11 

27.30 

28.53 

29.83 

31.21 

32.64 

60 

25.81 

26.97 

28.20 

29.47 

30.81 

32.24 

33-71 

35-25 

61 

27.90 

29.16 

30.48 

31-87 

33-34 

34-86 

36.45 

38.11 

62 

30.19 

3I-55 

32-99 

34- 51 

36.10 

37-74 

39.46 

41 .22 

63 

32.71 

34.20 

35-78 

37-4i 

39.12 

40.90 

42.72 

44.60 

64 

35-49 

37.13 

38.83 

40.60 

42.45 

44-34 

46.29 

48.25 

65 

38.58 

40.34 

42.18 

44.10 

46.07 

48.09 

5o.i3 

52.10 

66 

41.97 

43.88 

45.88 

47  -92 

50-03 

52.15 

54.19 

56.13 

67 

45-70 

47-78 

49.91 

52.10 

54- 31 

56.44 

58.46 

60.34 

68 

49.82 

52.04 

54-33 

56.63 

58.85 

60.95 

62.92 

64.76 

69 

54.32 

56.71 

59-n 

61.43 

63-63 

65.67 

67-59 

69.40 

70 

59.26 

61.77 

64.19 

66.49 

68.63 

70.64 

72.53 

74-39 

Am.3J* 


O.L 


242 


Principles  and  Practice 


Table  No.  LXXVII 

— Continued. 

COST 

OF   INSURANCE   PER    $1000 

OF   AN    ORDINARY 

LIFE 

POLICY    DURING    VARIOUS    YEARS, 

AMERICAN    EX- 

PERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

.  Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-73 

7-74 

7-74 

7-74 

7-75 

7.76 

7-77 

7.78 

21 

7.79 

7-79 

7-79 

7.80 

7.8! 

7.82 

7.83 

7.86 

22 

7.84 

7.84 

7-85 

7.86 

7.87 

7.88 

7.91 

7-93 

23 

7.89 

7.90 

7.91 

7-93 

7-94 

7.96 

7-99 

8.03 

24 

7-95 

7-97 

7.98 

7-99 

8.02 

8.04 

8.08 

8.12 

25 

8.03 

8.04 

8.05 

8.08 

8.10 

8.14 

8.18 

8.24 

26 

8.10 

8. 11 

8.14 

8.16 

8.21 

8.24 

8.30 

8.35 

27 

8.18 

8.21 

8.23 

8.27 

8.31 

8.37 

8.42 

8.49 

28 

8.27 

8.30 

8.34 

8.38 

8.44 

8-49 

8.56 

8.63 

29 

8-37 

8.41 

8.45 

8.51 

8.56 

8.63 

8.70 

8.81 

30 

8.49 

8-53 

8.59 

8.64 

8.71 

8.78 

8.89 

8.99 

31 

8.61 

8.67 

8.72 

8-79 

8.87 

8.97 

9.08 

9.22 

32 

8.76 

8.81 

8.88 

8.96 

9.06 

9.17 

9-3i 

9-47 

33 

8.90 

8.97 

9-o5 

9-i5 

9.26 

9.41 

9-57 

9-77 

34 

9.07 

9-i5 

9-25 

9-36 

9-5i 

9.68 

9.87 

10.12 

35 

9-25 

9-36 

9-47 

9.62 

9-79 

9.99 

10.23 

10.52 

36 

9-47 

9.58 

9-74 

9.90 

10. 11 

10.36 

10.64 

10.96 

37 

9.70 

9.86 

10.02 

10.23 

10.48 

10.77 

11. 10 

11 .46 

38 

9.98 

10.16 

10.36 

10.62 

10.91 

11.24 

11. 61 

12.00 

39 

10.29 

10.51 

10.77 

11 .06 

11.40 

11.76 

12.17 

12.61 

40 

10.65 

10.92 

11 .22 

n.56 

n-93 

12.34 

12.79 

13.28 

4i 

1 1. 08 

n-39 

n-73 

12. 11 

12.52 

12.98 

13.48 

14.02 

42 

n-57 

11. 91 

12.30 

12.72 

I3-I9 

13.69 

14.24 

14.82 

43 

12. 11 

12.50 

12.93 

13.40 

i3-9i 

14.47 

15.06 

15.69 

44 

12.71 

I3-I5 

13.63 

14-15 

14.72 

I5-32 

15.96 

16.66 

45 

13-3* 

I3-87 

14.40 

14.98 

15-59 

16.25 

16.95 

17.70 

46 

14.13 

14.67 

15.26 

15.89 

i6.55 

17.27 

18.03 

18.85 

47 

14.96 

15.56 

16.20 

16.88 

17.61 

18.39 

19.21 

20.09 

48 

15.88 

16.53 

17.22 

17.97 

18.76 

19.61 

20.50 

21 .42 

49 

16.88 

17-59 

18.35 

19.17 

20.03 

20.94 

21.88 

22.88 

50 

17.98 

18.76 

19.59 

20.47 

21 .40 

22.37 

23-39 

24.47 

5i 

19.20 

20.05 

20.95 

21 .90 

22.89 

23-93 

25.04 

26.19 

52 

20.54 

21 .46 

22.43 

23.45 

24.51 

25-65 

26.82 

28.04 

53 

22 .00 

23.00 

24.04 

25-13 

26.29 

27.50 

28.75 

30.06 

54 

23.60 

24.67 

25-79 

26.98 

28.22 

29.50 

30.85 

32.22 

55 

25-34 

26.50 

27.72 

28.99 

30-31 

31.69 

33- 10 

34.56 

56 

27.25 

28.51 

29.81 

3I-I7 

32.59 

34.04 

35-54 

37-04 

57 

29-35 

30.69 

32.09 

33-55 

35.o5 

36.59 

38.14 

39.64 

58 

3*^3 

33  -°7 

34.58 

36.12 

37.7i 

39-31 

40.85 

42.31 

59 

34-12 

35-68 

37-27 

38.91 

40.55 

42.15 

43.65 

45.06 

60 

36.85 

38.50 

40.19 

41.89 

43-54 

45.09 

46.54 

47-90 

61 

39.81 

41.56 

43-32 

45.02 

46.63 

48.13 

49-54 

50.87 

62 

43 -°3 

44-85 

46.61 

48.28 

49-83 

51.29 

52.66 

54.01 

63 

46.49 

48.32 

50.04 

5i-65 

53-i6 

54.59 

55-99 

57-39 

64 

50.14 

5!-93 

53-6i 

55-17 

56.65 

58.10 

59-56 

61 .02 

65 

53-96 

55-7° 

57-33 

58.86 

60.37 

61.89 

63.40 

65-I5 

66 

57-94 

59-63 

61.23 

62.80 

64.38 

65.95 

67.77 

69.51 

67 

62.11 

63-77 

65.40 

67.05 

68.68 

70.58 

72.40 

74.05 

68 

66.49 

68.19 

69.91 

71 .61 

73.6o 

75-48 

77.21 

78.59 

69 

71.18 

72.97 

74.75 

76.82 

78.79 

80.60 

82.04 

*3-3* 

70 

76.26 

78.12 

80.28 

82.34 

84.22 

85-73 

87.06 

88.74 

O.L. 


Am.3i* 


Of  Life  Insurance. 


243 


Table  No.  LXXVIL— Continued. 

COST 

OF   INSURANCE   PER    Siooo    OF   AN    ORDINARY   LIFE 

POLICY   DURING    VARIOUS    YEARS,    AMERICAN    EX- 

PERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

.  Year. 

Year. 

Year. 

Year. 

20 

7.81 

7.83 

7-87 

7.91 

7.96 

8.01 

8.08 

8.15 

21 

7.88 

7.92 

7.96 

8.01 

8.06 

8.13 

8.20 

8.29 

22 

7-97 

8.01 

8.06 

8. 11 

8.18 

8.25 

8.34 

8.44 

23 

8.07 

8.12 

8.17 

8.23 

8.30 

8.40 

8.50 

8.64 

24 

8.18 

8.23 

8.29 

8.36 

8.46 

8.56 

8.70 

8.85 

25 

8.29 

8-35 

8.42 

8.52 

8.62 

8.76 

8.91 

9.09 

26 

8.42 

8.49 

8-59 

8.69 

8.83 

8.98 

9.16 

9-39 

27 

8.56 

8.66 

8.76 

8.90 

9.05 

9.24 

9-47 

9-73 

28 

8-73 

8.83 

8.97 

9.13 

9-31 

9-55 

9.81 

10.10 

29 

8.91 

9-°5 

9.21 

9.40 

9.63 

9.89 

10.19 

10.52 

30 

9-i3 

9.29 

9.48 

9.72 

9.99 

IO.29 

10.62 

10.98 

31 

9.38 

9-57 

9.81 

10.08 

10.38 

IO.72 

11 .09 

11.49 

32 

9.67 

9.91 

IO.18 

10.49 

10.83 

II.20 

11 .61 

12.05 

33 

10.01 

10.29 

IO.60 

10.94 

11. 31 

H-73 

12.17 

12  .66 

34 

10.40 

10.71 

II.06 

H.44 

11.86 

12.31 

12.80 

tS'te 

35 

10.83 

11. 18 

H-57 

II.99 

12.45 

12.95 

13.48 

14.04 

36 

11.32 

11 .70 

12.13 

12.60 

13.10 

13.64 

14.21 

H.83 

37 

11.85 

12.28 

I2-75 

13.26 

13.81 

J4.39 

15.01 

15-67 

38 

12.44 

12.92 

13.44 

*3-99 

!4-57 

15.21 

15.88 

16.59 

39 

13.09 

13.62 

14.18 

14.77 

15.41 

16.09 

16.82 

I7-58 

40 

13.81 

14.38 

14.98 

15.63 

16.32 

17.06 

17.83 

18.64 

4i 

I4-59 

15.21 

15.87 

J6-57 

17.31 

18.10 

18.92 

19.78 

42 

15-44 

16. 11 

16.82 

17.58 

18.38 

19.21 

20.08 

21 .01 

43 

16.38 

17.10 

17.87 

18.68 

19.52 

20.41 

21.36 

22.33 

44 

J7-39 

18.17 

19.00 

19.86 

20.76 

21 .72 

22.71 

23.75 

45 

18.50 

19-34 

20.21 

21.13 

22.11 

23.12 

24.17 

25.28 

46 

19.70 

20.59 

21-53 

22.52 

23.55 

24.63 

25.75 

26.90 

47 

20.99 

21.95 

22.96 

24.02 

25.11 

26.25 

27.42 

28.63 

48 

22.40 

23-43 

24.51 

25.62 

26.79 

27.98 

29.22 

30.45 

49 

23.94 

25 -°3 

26.17 

27.36 

28.58 

29.84 

31.10 

32.32 

50 

25-59 

26.76 

27.97 

29.22 

30.51 

31.80 

33-05 

34.23 

5i 

27.38 

28.63 

29.90 

31.22 

32.54 

33.8i 

35-02 

36.15 

52 

29.32 

30.62 

3i.97 

33-32 

34.63 

35.87 

37-03 

38.11 

53 

31.40 

32.78 

34.17 

35.5i 

36.78 

37.96 

39-07 

40.12 

54 

33-64 

35- 06 

36.44 

37-74 

38.96 

40.10 

41.17 

42.23 

55 

36.02 

37-44 

38.78 

40.02 

41.19 

42.30 

43.38 

44-47 

56 

38.50 

39-88 

41 .16 

42.36 

43.50 

44.61 

45-73 

46.85 

57 

41.05 

42.37 

43.61 

44-78 

45-93 

47.08 

48.23 

49-57 

58 

43-67 

44-95 

46.15 

47-33 

48.52 

49.71 

51.08 

52.40 

59 

46.38 

47.62 

48.84 

50.07 

51.29 

52.71 

54.o6 

55.3o 

60 

49.19 

50-45 

5L72 

52.98 

54-44 

55.84 

57-12 

58.14 

61 

52.17 

53-48 

54-79 

56.30 

57-75 

59-07 

60.12 

61 .06 

62 

55-37 

56.72 

58.29 

59-79 

61.15 

62.25 

63.22 

64.43 

63 

58.79 

60.42 

61.97 

63.39 

64.52 

65.53 

66.79 

68.51 

64 

62.70 

64.31 

65.78 

66.96 

68.00 

69.31 

71.10 

73-44 

65 

66.82 

68.35 

69.57 

70.65 

72.02 

73.87 

76.31 

78.74 

66 

71.10 

72.37 

73-50 

74.92 

76.85 

79.38 

81 .90 

83.70 

67 

75-37 

76.55 

78.02 

80.03 

82.67 

85.30 

87-17 

88.56 

68 

79.81 

8i.35 

83-45 

86.20 

88.94 

90.89 

92.34 

95-°4 

69 

84.92 

87.11 

89.98 

92.84 

94.87 

96.39 

99.20 

104.83 

70 

91 .02 

94.02 

97.02 

99.14 

100.73 

103.67 

109.55 

1 1 1. 67    I 

Am.32* 


O.L 


244 


Principles  and  Practice 


Table  No.  LXXVIL— Continued. 

COST 

OF  INSURANCE   PER    Siooo   OF   AN   ORDINARY 

LIFE 

POLICY   DURING    VARIOUS    YEARS, 

AMERICAN    EX- 

PERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

25th 

26th 

27th 

28th 

29th 

30th 

31st 

32d 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

8.24 

8.34 

8.47 

8.61 

8-79 

9.01 

9.26 

9-54 

21 

8-39 

!-52 

8.67 

8.85 

9.07 

9-32 

9.60 

9.91 

22 

l'Sl 

8.72 

8.90 

9.12 

9-38 

9.66 

9-97 

10.31 

23 

8.78 

8.96 

9.19 

9.44 

9.72 

10.04 

10.38 

10.76 

24 

9-°3 

9-25 

9-5i 

9-79 

IO.  II 

10.45 

10.84 

11 .25 

25 

9-32 

9.58 

9.86 

10.18 

IO-53 

10.92 

^•33 

11.79 

26 

9-65 

9.94 

10.26 

10.61 

11 .00 

H.42 

'n.88 

12.37 

27 

10.02 

10.34 

10.70 

11.09 

11. 51 

11.97 

12.47 

12.99 

28 

10.43 

10.79 

11. 18 

11. 61 

12.07 

I2-57 

13.10 

J3-67 

29 

10.88 

n.28 

11. 71 

12.18 

12.68 

13.21 

J3-79 

J4-39 

30 

11.38 

n.82 

12.29 

12.80 

J3-33 

i3-9i 

x4-53 

15.18 

31 

n-93 

12.41 

12.92 

13.46 

14.04 

14.66 

J5-32 

16.02 

32 

I2-53 

!3-05 

J3-59 

14.18 

14.81 

15.48 

16.18 

16.91 

33 

13.18 

13-73 

14-33 

14.96 

15.64 

l6-35 

17.09 

17.86 

34 

13.88 

14.49 

15-13 

15.81 

16.52 

17.27 

18.06 

18.89 

35 

14.65 

J5-3o 

J5-99 

16.71 

17.47 

18.26 

19. 11 

19.98 

36 

15.48 

16.18 

16.91 

17.68 

18.48 

J9-33 

20.22 

21.14 

37 

16.38 

17.12 

17.90 

18.71 

19.58 

20.47 

21.40 

22.38 

38 

17.34 

18.13 

18.95 

19.83 

20.74 

21.68 

22.67 

23.68 

39 

18.38 

19.21 

20.10 

21 .02 

21.98 

22.98 

24.00 

25.06 

40 

19.49 

20.39 

21.32 

22.29 

23.31 

24.34 

25-42 

26.49 

4i 

20.69 

21.64 

22.62 

23-65 

24.71 

25-79 

26.88 

27.94 

42 

21.97 

22.98 

24.02 

25.09 

26.20 

27.30 

28.38 

29-39 

43 

23-35 

24.41 

25-50 

26.62 

27.75 

28.84 

29.87 

30.83 

44 

24.83 

25-94 

27.08 

28.22 

29-33 

30.38 

31-36 

32.28 

45 

26.40 

27.56 

28.73 

29.86 

30.92 

31.92 

32.85 

33-73 

46 

28.08 

29.27 

30.42 

3i-5o 

32.52 

33-47 

34.36 

35-25 

47 

29.84 

31.01 

32.12 

33-15 

34.12 

35-04 

35-94 

36.84 

48 

31-65 

32.78 

33.83 

34.82 

35-75 

36.67 

37-59 

38.51 

49 

33.48 

34.56 

35-57 

36.52 

37-46 

38.40 

39-33 

40.42 

5o 

35-33 

36.36 

37-34 

38.29 

39.25 

40.21 

41-33 

42.39 

5i 

37-2i 

38.20 

39.18 

40.17 

41.15 

42.29 

43-37 

44.36 

52 

39-13 

40.13 

41.14 

42.15 

43-3i 

44.42 

45-44 

46.25 

53 

41.15 

42.18 

43-21 

44.4i 

45-55 

46.59 

47.42 

48.16 

54 

43-29 

44-35 

45-57 

46.74 

47 -8i 

48.67 

49-42 

50.38 

55 

45.56 

46.82 

48.02 

49.12 

49-99 

5o.77 

51.75 

53.o8 

56 

48.15 

49.38 

50.51 

5i.4i 

52.21 

53-22 

54-59 

56.39 

57 

50.84 

52.00 

52.93 

53-75 

54-79 

56.20 

58.05 

59.9o 

58 

53-59 

54-55 

55-4o 

56.47 

57-92 

59.83 

61.74 

63.09 

59 

56.28 

57-i6 

58.26 

59-76 

61.73 

63.70 

65.09 

66.13 

60 

59-04 

60.18 

61.73 

63.77 

65.80 

67.24 

68.31 

70.30 

61 

62.24 

63.84 

65.94 

68.04 

69-53 

70.64 

72.70 

76.83 

62 

66.09 

68.27 

7o.45 

71.99 

73-14 

75-27 

79-54 

81.08 

63 

70.77 

73.02 

74.62 

75.8i 

78.02 

82.45 

84.05 

86.22 

64 

75.78 

77-44 

78.68 

80.97 

85.57 

87.22 

89.48 

65 

80.46 

8i.75 

84.13 

88.91 

90.63 

92.97 

66 

85.04 

87.52 

92.48 

94.27 

96.71 

67 

9i-i5 

96.32 

08.18 

100.73 

68 

100.43 

102.37 

105 .02 

69 

106.86 

109.63 

70 

114.56 

O.L. 


Am.3i* 


Of  Life  Insurance. 


245 


Table  No.  LXXVII 

— Continued. 

COST 

OF   INSURANCE   PER    Siooo 

OF   AN    ORDINARY 

LIFE 

POLICY   DURING    VARIOUS    YEARS, 

AMERICAN    EX- 

PERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

33d 

34th 

35th 

36th 

37th 

38th 

39th 

40th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

9.85 

10.18 

10.56 

10.96 

II  .40 

11.86 

12.36 

12.90 

21 

IO.25 

10.62 

II.03 

II.47 

II.94 

12.44 

12.98 

13-55 

22 

IO.69 

II. IO 

11-54 

12.02 

12.52 

13.06 

13.64 

14.25 

23 

II. 17 

II  .62 

12.10 

12  .60 

I3-I5 

13.73 

14.35 

15.00 

24 

II.70 

12.18 

12.69 

13.24 

13.83 

14.45 

15. 11 

15.79 

25 

12.27 

12.79 

!3-34 

J3-93 

14.56 

15.22 

15.91 

16.63 

26 

12.88 

13.44 

14.04 

14.67 

15-33 

16.03 

16.76 

17.53 

27 

13-55 

14.15 

14.79 

15.46 

16.16 

16.89 

17.67 

18.48 

28 

14.27 

14.91 

15-59 

16.29 

17.03 

17.82 

18.64 

19.49 

29 

15.04 

15.72 

16.43 

17.18 

17.98 

18.80 

19.66 

20.55 

30 

15.87 

16.58 

17.34 

18.14 

18.97 

19.84 

20.74 

21 .66 

31 

16.74 

17.51 

18.31 

19.15 

20.02 

20.94 

21.87 

22.83 

32 

17.68 

18.50 

19.34 

20.22 

21.15 

22.09 

23.06 

24.03 

33 

18.69 

I9-S4 

20.43 

21.37 

22.32 

23-30 

24.28 

25.24 

34 

19.76 

20.66 

21 .60 

22.56 

23.55 

24.55 

25.5I 

26.43 

35 

20.89 

21.84 

22.82 

23.82 

24.83 

25.80 

26.73 

27.59 

36 

22.10 

23.09 

24.10 

25.12 

26.11 

27.04 

27.91 

28.73 

37 

23-38 

24.40 

25-44 

26.44 

27.38 

28.26 

29.09 

29.87 

38 

24.72 

25-77 

26.78 

27.74 

28.63 

29.47 

30.26 

S1-^ 

39 

26.12 

27.14 

28.11 

29.02 

29.87 

30.67 

31-45 

32.24 

40 

27.53 

28.52 

29.43 

30.29 

31.IO 

31.90 

32.70 

33-5° 

4i 

28.94 

29.87 

30.74 

31.57 

32.38 

33- J9 

34.00 

34.94 

42 

3° -34 

31.22 

32.06 

32.88 

33-71 

34-53 

35.49 

36.40 

43 

31-73 

32.58 

33.42 

34.26 

35-09 

36.07 

36.99 

37.84 

44 

33-14 

33-99 

34.84 

35.69 

36.68 

37.62 

38.48 

39-17 

45 

34.60 

35-47 

36.33 

37-34 

38.30 

39-*7 

39.87 

40.49 

46 

36.13 

37.01 

38.04 

39.01 

39-91 

40.62 

41.25 

42.05 

47 

37-74 

38.78 

39.78 

40.69 

41.41 

42.06 

42.87 

43.97 

48 

39.58 

40.59 

41.52 

42.26 

42.92 

43-75 

44.87 

46.35 

49 

41.46 

42.41 

43- J7 

43-84 

44.68 

45.83 

47-34 

48.85 

5o 

43- 36 

44.13 

44.82 

45.68 

46.86 

48.40 

49-94 

5I«°3 

5i 

45.16 

45-86 

46.74 

47-95 

49-53 

51.10 

52.22 

53-o6 

52 

46.97 

47.88 

49.11 

5o.73 

52.34 

53-49 

54-34 

55-93 

53 

49.09 

5°-35 

52.01 

53-66 

54.84 

55-72 

57-34 

60.60 

54 

51-67 

53-38 

55.o7 

56.28 

57.i8 

58.85 

62.19 

63.39 

55 

54.83 

56.58 

57.82 

58.74 

60.46 

63.89 

65.12 

66.81 

56 

58.19 

59.46 

60.41 

62.17 

65.70 

66.97 

68.71 

57 

61.21 

62.19 

64.01 

67.64 

68.95 

7o.73 

58 

64.10 

65.97 

69.71 

71 .06 

72.90 

59 

68.06 

7L93 

73.32 

75-22 

60 

74.29 

75-73 

77.69 

61 

78.32 

80.35 

62 

83.18 

Am.3l* 


O.L 


246 


Principles  and  Practice 


Table  No.  LXXVII. 

— Concluded. 

COST 

OF   INSURANCE   PER    $1000 

OF   AN    ORDINARY 

LIFE 

POLICY   DURING    VARIOUS    YEARS, 

AMERICAN    EX- 

PERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

41st 

42d 

43  d 

44th 

45th 

46th 

47th 

48th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

13-47 

14.07 

14.71 

15.38 

16.08 

16.82 

*7-59 

18.39 

21 

14.16 

14.80 

15-47 

16.18 

16.93 

17.70 

18.51 

J9-35 

22 

14.90 

15-57 

16.28 

17.04 

17.82 

18.63 

19.48 

20.34 

23 

15.68 

16.39 

I7.I5 

17.94 

18.75 

19.61 

20.48 

21.38 

24 

16.51 

17.27 

18.06 

18.88 

19-75 

20.62 

21-53 

22.44 

25 

17.40 

18.20 

19.02 

19.89 

20.78 

21  .69 

22.61 

23-5o 

26 

18.34 

19.17 

20.04 

20.94 

21.86 

22.78 

23.68 

24.52 

27 

19.32 

20.20 

21  .IO 

22.03 

22.96 

23.87 

24.72 

25-52 

28 

20.37 

21.28 

22.22 

23.16 

24.07 

24.93 

25.73 

26.48 

29 

21.47 

22.41 

23.36 

24.28 

25-15 

25.95 

26.71 

27-43 

30 

22.62 

23-57 

24.50 

25.37 

26.19 

26.96 

27.68 

28.39 

3i 

23.80 

24.73 

25.62 

26.44 

27.21 

27.94 

28.66 

29.38 

32 

24.98 

25.87 

26.70 

27.49 

28.22 

28.94 

29.67 

30.40 

33 

26.14 

26.98 

27.77 

28.52 

29.25 

29.98 

30.71 

31.56 

34 

27.28 

28.07 

28.83 

29.56 

30.31 

3I-OS 

31-91 

32.73 

35 

29-39 

29.15 

29.90 

30.65 

31.40 

32.27 

33- 10 

33-85 

36 

29.50 

30.26 

3I.02 

31.77 

32.65 

33-49 

34.26 

34.87 

37 

3° -t>3 

31.40 

32.17 

33.o6 

33-91 

34.68 

35.3o 

35.85 

38 

31.81 

32.59 

33-49 

34-35 

35.13 

35.76 

36.32 

37.02 

39 

33-03 

33-95 

34.82 

35.6l 

36.25 

36.81 

37-52 

38.49 

40 

34-43 

35-3i 

36.12 

36.77 

37-34 

38.06 

39.04 

40.32 

4i 

35.84 

36.66 

37-31 

37.89 

38.62 

39.62 

40.92 

42.23 

42 

37-23 

37.89 

38.48 

39-23 

40.24 

4I.56 

42.89 

43-82 

43 

38.51 

39-n 

39.87 

40.89 

42.24 

43.59 

44-54 

45.25 

44 

39.78 

4o.55 

41-59 

42.96 

44-33 

45-30 

46.03 

47-37 

45 

41.27 

42.34 

43-73 

45-12 

46.11 

46.85 

48.22 

5o.95 

46 

43-13 

44.55 

45-97 

46.97 

47-73 

49.12 

51.91 

52.91 

47 

45-42 

46.87 

47.89 

48.66 

50.08 

52.92 

53-95 

55-34 

48 

47.83 

48.87 

49.66 

5I-" 

54-OI 

55.05 

56.48 

49 

49.92 

50.72 

52.20 

5S-i6 

56.23 

57-69 

50 

51.85 

53-30 

56.39 

57-48 

58.97 

5i 

54.6i 

57.7i 

58.82 

60.35 

52 

59.10 

60.25 

61.81 

53 

61.77 

63-37 

54 

65.03 

lOPay.L. 


Am.£% 


Of  Life  Insurance. 


247 


Table  Nc 

.  LXXVIII. 

COST    OF    INSURANCE    PER 

$1000     OF    A    TEN-PAYMENT 

LIFE 

POLICY    DURING    VARIOUS    YEARS,    AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-59 

7.41 

7.22 

7.02 

6.80 

21 

7-63 

7-45 

7-25 

7.04 

"6.82 

22 

7.68 

7-49 

7.29 

7.07 

6.85 

23 

7.72 

7-53 

7-32 

7. II 

6.89 

24 

7-77 

7-57 

7-37 

7.15 

6.92 

25 

7.82 

7.62 

7.41 

7.19 

6.96 

26 

7.88 

7.67 

7.46 

7.24 

7.00 

27 

7-94 

7-73 

7-5i 

7.28 

7.04 

28 

8.00 

7-79 

7-57 

7-33 

7.09 

29 

8.07 

7.86 

7-63 

7-39 

7.15 

30 

8.14 

7.92 

7.7o 

7.46 

7.21 

31 

8.22 

8.00 

7.78 

7-53 

7.26 

32 

8.30 

8.09 

7.86 

7.60 

7-34 

33 

8.40 

8.18 

7-94 

7.69 

7.42 

34 

8.51 

8.27 

8.04 

,       7.78 

7-52 

35 

8.61 

8.39 

8.15 

7.90 

7.62 

36 

8.74 

8.51 

8.28 

8.01 

7-74 

37 

8.87 

8.65 

8.41 

8.15 

7.87 

38 

9-°3 

8.80 

8.56 

8.29 

8.01 

39 

9.19 

8.97 

8.72 

8.46 

8.17 

40 

9-38 

9.15 

8.90 

8.63 

8-35 

4i 

9.58 

9-35 

9.10 

8.85 

8.56 

42 

9.80 

9-57 

9-34 

9.07 

8.80 

43 

10.04 

9-83 

9-59 

9-35 

9.07 

44 

10.33 

10. 11 

9.90 

9.65 

9-39 

45 

10.64 

10.45 

10.24 

10.01 

9-77 

46 

11 .01 

10.82 

10.63 

10.43 

10.19 

47 

11 .41 

11.25 

11. 10 

10.91 

10.68 

48 

11.88 

11.76 

11.62 

u.45 

11 .22 

49 

12.43 

12.34 

12.22 

12.05 

11.82 

5o 

13.06 

12.99 

12.88 

12.72 

12.49 

5i 

13.76 

13.72 

13.62 

13.47 

13.24 

52 

14.55 

!4-53 

14-46 

14-31 

14.07 

53 

15-43 

15-44 

15.38 

15.24 

14.99 

54 

16.42 

16.44 

16.41 

16.27 

!5-99 

55 

17.51 

17-57 

*7-54 

17.40 

17.12 

56 

18.73 

18.81 

18.79 

18.66 

18.36 

57 

20.08 

20.18 

20.19 

20.05 

J9.73 

58 

21.56 

21 .71 

21.73 

21.60 

21 .24 

59 

23.22 

23.40 

23-45 

23.30 

22 .90 

60 

25-05 

25.27 

25-33 

25-17 

24.73 

61 

27.09 

27.34 

27.41 

27.24 

26.77 

62 

29-33 

29.62 

29.71 

29.55 

29.02 

63 

3L79 

32.13 

32.26 

32.08 

31.50 

64 

34.52 

34-93 

35.o8 

34.89 

34.25 

65 

37-55 

38.01 

38.19 

38.00 

37.27 

Am.3l* 


lOPay.L 


248 

Principles  and  Practice 

Table  No.  LXXVIIL— Concluded. 

COST    OF    INSURANCE     PER     $1000     OF    A    TEN-PAYMENT 

LIFE    POLICY    DURING    VARIOUS    YEARS,    AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

6th 

7th 

8th 

9th 

10th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.57 

6-33 

6.08 

5-8i 

5-53 

21 

6.60 

6-35 

6.09 

5.82 

5-53 

22 

6.62 

6-37 

6. 11 

5.83 

5-54 

23 

6.64 

6-39 

6.13 

5.84 

5-55 

24 

6.68 

6.42 

6.14 

5.85 

5.56 

25 

6.71 

6.44 

6.17 

5.87 

5-57 

26 

6.74 

6.47 

6.20 

5.89 

5.58 

27 

6.78 

6.51 

6.22 

5.91 

5.60 

28 

6.83 

6-55 

6.25 

5-94 

5-63 

29 

6.88 

6-59 

6.29 

5-97 

5-66 

30 

6-93 

6.65 

6-34 

6.01 

5.69 

31 

7.00 

6.70 

6-39 

6.05 

5-73 

32 

7.06 

6.77 

6-45 

6. 11 

5-77 

33 

7-i5 

6.84 

6.52 

6.16 

5.82 

34 

7-23 

6.93 

6-59 

6.22 

5.89 

35 

7-34 

7.01 

6.67 

6.29 

5.96 

36 

7-44 

7.12 

6.76 

6- 39 

6.06 

37 

7-57 

7'23 

6.88 

6.48 

6.16 

38 

7.70 

7-37 

7.00 

6.61 

6.29 

39 

7.86 

7-52 

7.16 

6.74 

6.44 

40 

8.04 

7.70 

7-33 

6.91 

6.62 

4i 

8.25 

7.91 

7-53 

7. 11 

6.82 

42 

8.49 

H 

7-77 

7-34 

7.04 

43 

8.77 

8.44 

8.05 

7-59 

7.28 

44 

9.10 

8.77 

8-37 

7.88 

7-55 

45 

9.48 

9.14 

8.71 

8.19 

7.84 

46 

9.91 

9-55 

9.10 

8-54 

8.15 

47 

10.38 

10.01 

9-53 

8.92 

8.48 

48 

10.91 

10.52 

10.01 

9-34 

8.84 

49 

11. 51 

11 .09 

10.53 

9.80 

9.22 

50 

12.16 

11.72 

11 .10 

10.29 

9-63 

51 

12.90 

12.41 

"•73 

10.83 

10.06 

52 

13-70 

13.16 

12 .42 

11 .41 

10.52 

53 

14.58 

14.00 

13.17 

12.04 

11 .00 

54 

15.56 

14.92 

13-99 

12.72 

11.50 

55 

16.64 

15-93 

14.89 

13.45 

12.03 

56 

17.84 

17.04 

15.87 

14.24 

12.58 

57 

19.15 

18.25 

16.93 

15.10 

13.15 

58 

20.59 

19.58 

18. 11 

16.02 

13-75 

59 

22.18 

21.05 

19.38 

17.01 

14.36 

60 

23.94 

22.67 

20.78 

18.10 

14.99 

61 

25.88 

24.45 

22.32 

19.26 

15.63 

62 

28.02 

26.42 

23.99 

20.51 

16.24 

63 

30-39 

28.57 

25.83 

21.85 

16.82 

64 

33.oo 

30.95 

27.82 

23-25 

17-36 

65 

35-88 

33-54 

29.94 

24.71 

17.87 

15Pay.L. 


Am.&% 


Of  Life  Insurance. 


249 


Table  No.  LXXIX. 

COST 

OF  INSURANCE  PER   $1000 

OF  A 

FIFTEEN-PAYMENT 

LIFE    POLICY    DURING 

VARIOUS    YEARS,    AMERICAN 

EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.66 

7-56 

7-45 

7-34 

7.21 

7.08 

6-95 

6.81 

21 

7.71 

7.60 

7-49 

7-37 

7-25 

7.12 

6.98 

6.83 

22 

7.76 

7-65 

7-53 

7.41 

7.29 

7.16 

7.01 

6.87 

23 

7.80 

7.69 

7-57 

7.46 

7-33 

7.19 

7.06 

6.91 

24 

7-85 

7-74 

7.62 

7-5° 

7-37 

7.24 

7.IO 

6.94 

25 

7.90 

7-79 

7.68 

7-55 

7.42 

7.29 

7-14 

6.99 

26 

7.96 

7.85 

7-73 

7.61 

7.48 

7-34 

7.19 

7.04 

27 

8.02 

7.91 

7-79 

7.67 

7-53 

7-39 

7-25 

7.10 

28 

8.09 

7.98 

7.86 

7-73 

7-59 

7.46 

7-3i 

7-i5 

29 

8.16 

8.05 

7.92 

7.80 

7.67 

7-53 

7-38 

7.23 

30 

8.24 

8.12 

8.00 

7.88 

7-74 

7.60 

7.46 

7-3° 

31 

8.31 

8.20 

8.09 

7.96 

7.82 

7.69 

7-54 

7-39 

32 

8.40 

8.30 

8.18 

8.04 

7.92 

7.78 

7.64 

7-49 

33 

8.51 

8-39 

8.27 

8.15 

8.02 

7.89 

7-75 

7.60 

34 

8.61 

8.49 

8.38 

8.26 

8.14 

8.01 

7.87 

7.72 

35 

8.72 

8.62 

8.50 

8-39 

8.27 

8.14 

8.00 

7.85 

36 

8.85 

8.74 

8.64 

8-53 

8.41 

8.28 

8.15 

8.00 

37 

8.99 

8.90 

8-79 

8.69 

8.56 

8.44 

8.31 

8.18 

38 

9-15 

9-°5 

8.96 

8.85 

8.74 

8.62 

8.50 

8-37 

39 

9-32 

9.24 

9.14 

9.04 

8-93 

8.83 

8.71 

8.60 

40 

9.5i 

9.42 

9-34 

9.24 

9-i5 

9.o5 

8.96 

8.85 

4i 

9.71 

9.64 

9-56 

9.48 

9.40 

9-32 

9.24 

9.16 

42 

9.94 

9.87 

9.82 

9-74 

9.69 

9.62 

9-57 

9-5i 

43 

10.19 

10.15 

10.09 

10.06 

10.01 

9.98 

9-95 

9.92 

44 

10.49 

10.45 

10.43 

10.40 

10.39 

10.39 

10.39 

10.38 

45 

10.80 

10.80 

10.80 

10.81 

10.84 

10.87 

10.89 

10.89 

46 

11. 18 

11. 19 

11.23 

11.28 

n-34 

11 .40 

11.44 

11.46 

47 

n-59 

11.65 

n-73 

11.82 

11 .91 

11.99 

12.06 

12.10 

48 

12.08 

12.18 

12.30 

12.43 

12.55 

12.66 

I2-75 

12.81 

49 

12.64 

12.79 

12.95 

13.11 

13.26 

13.40 

!3-52 

13.60 

5o 

13.28 

13-47 

13.67 

13.86 

14.06 

14.23 

14.38 

14.47 

5i 

14.00 

14.24 

14.47 

14.72 

14.94 

IS-IS 

15-32 

J5-43 

52 

14.81 

15.09 

I5-38 

15.66 

15-93 

16.17 

16.36 

16.49 

53 

15 -71 

16.04 

16.38 

16.71 

17.02 

17.29 

17.51 

17.67 

54 

16.72 

17.10 

17.49 

17.87 

18.22 

18.53 

18.79 

18.97 

55 

17.83 

18.28 

18.72- 

i9-i5 

19-55 

19.91 

20.20 

20.39 

56 

19.08 

19-59 

20.08 

20.57 

21.03 

21.43 

21.76 

21.96 

57 

20.46 

21 .02 

21.60 

22.15 

22.66 

23.11 

23.46 

23.69 

58 

21.97 

22.63 

23.27 

23.89 

24.47 

24.96 

25-35 

25.61 

59 

23.67 

24.40 

25  -i3 

25.82 

26.44 

27 .00 

27-45 

27-73 

60 

25-54 

26.36 

27.17 

27-93 

28.63 

29.26 

29-75 

30.06 

Am.32* 


15Pay.L 


250 

Principles  and  Practice 

Table  No. 

LXXIX.—  Concluded. 

COST  < 

DF  INSURANCE 

PER   $1000  OF 

\  FIFTEEN   PAYMENT 

LIFE  POLICY  DURING  VARIOUS  YEARS, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.65 

6.50 

6.33 

6.15 

5-9° 

5-77 

5-57 

21 

6.69 

6.52 

6-35 

6.17 

5-99 

5.78 

5.58 

22 

6.72 

6-55 

6.38 

,6.20 

6.OI 

5.80 

5.60 

23 

6-75 

6.58 

6.41 

6.23 

6.03 

5-82 

5.63 

24 

6.79 

6.63 

6.45 

6.26 

6.06 

5.85 

5-66 

25 

6.84 

6.67 

6.48 

6.30 

6.09 

5.89 

5.69 

26 

6.88 

6.71 

6-53 

6.34 

6.14 

5-92 

5-73 

27 

6-93 

6.76 

'6.58 

6-39 

6.19 

5-97 

5-77 

28 

7.00 

6.82 

6.65 

6.45 

6.25 

6.02 

5.82 

29 

7.06 

6.90 

6.71 

6.52 

6.30 

6.08 

5.89 

30 

7-i5 

6.97 

6.79 

6.59 

6-37 

6.14 

5-96 

31 

7-23 

7.06 

6.87 

6.67 

6-45 

6.22 

6.06 

32 

7-33 

7^5 

6.97 

6.76 

6.55 

6.31 

6.16 

33 

7-44 

7.26 

7.07 

6.88 

6.65 

6.42 

6.29 

34 

7-56 

7-38 

7.20 

7.00 

6.79 

6-55 

6.44 

35 

7.69 

7-53 

7-34 

7-15 

6-93 

6.70 

6.62 

36 

7-85 

7.68 

7-5i 

7.32 

7. II 

6.88 

6.82 

37 

8.02 

7.87 

7.70 

7-52 

7-32 

7.10 

7.04 

38 

8.24 

8.09 

7-93 

7.76 

7-57 

7-33 

7.28 

39 

8.47 

8.34 

8.20 

8.04 

7.84 

7-59 

7-55 

40 

8-75 

8.64 

8.51 

8-35 

8.15 

7.88 

7.84 

4i 

9.08 

8.98 

,  8.86 

8.70 

8.48 

8.20 

8.15 

42 

9-45 

9-37 

9-25 

9.08 

8.86 

8-55 

8.48 

43 

9.87 

9-79 

9.68 

9-51 

9.27 

8-94 

8.84 

44 

10.34 

10.27 

10.16 

9.98 

9.72 

9-35 

9.22 

45 

10.87 

10.81 

10.69 

10.50 

10.21 

9-79 

9.63 

46 

11.45 

11.40 

11.28 

11.07 

10.74 

10.28 

10.06 

47 

12.10 

12.05 

11 .92 

11 .69 

"•33 

10.80 

10.52 

48 

12.83 

12.77 

12.63 

12.37 

11.97 

"•37 

11 .00 

49 

13.62 

I3-56 

13-41 

13.12 

12.66 

11.97 

11.50 

5o 

14.50 

14.44 

14.27 

13-94 

i3-4i 

12.62 

12.03 

5i 

15-47 

15.41 

15.21 

14.83 

14.22 

i3-3i 

12.58 

52 

16.54 

16.47 

16.24 

15.80 

15.10 

14.06 

13.15 

53 

17.72 

17.64 

17-37 

16.86 

16.06 

14.86 

13-75 

54 

19.02 

18.91 

18.60 

18.03 

17.10 

I5-72 

14.36 

55 

20.44 

20.32 

19.97 

19. 31 

18.24 

16.65 

14.99 

56 

22.01 

21.88 

21.47 

20.70 

19.47 

17-63 

15.63 

57 

23.76 

23-59 

23.11 

22.23 

20.81 

18.69 

16.24 

58 

25.67 

25.47 

24.92 

23.90 

22.27 

19.81 

16.82 

59 

27.78 

27-55 

26.91 

25-73 

23-83 

20.96 

17.36 

60 

30.12 

29.83 

29.09 

27.72 

25.49 

22.15 

17.87 

20Pay.L. 


Am.3i* 


Of  Life  Insurance. 


25i 


Table  No.  LXXX. 

COST   OF  INSURANCE  PER   $1000   OF  A  TWENTY-PAYMENT 

LIFE    POLICY    DURING    VARIOUS    YEARS,    AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 


Age. 


1st 

\ear. 


2d 

Year. 


3d 

Year. 


4th 

Year. 


5th 

Year. 


6th 

Year. 


7th 

Year. 


20 
21 
22 
23 
24 

25 
26 

27 
28 

29 

30 
31 
32 

33 
34 

35 
36 
37 
38 
39 

40 
4i 
42 
43 
44 

45 
46 

47 
48 

49 

50 

5i 
52 
53 
54 

55 


7.70 
7-75 
7-79 
7.84 
7.89 

7-94 
8.00 
8.07 
8.13 
8.20 

8.28 
8.36 

8-45 
8.56 
8.66 

8.77 
8.91 
9.04 
9.21 
9-3* 

9-58 

9.78 

10.01 

10.26 

10.56 

10.88 
11 .26 
11.68 
12.17 
12.74 

13.38 
14. 11 
14.92 

15.83 
16.84 

17.97 


7.04 
7.68 
7-73 

7-77 
7.82 

7.88 
7-93 
7-99 
8.06 
8.14 

8.21 
8.30 
8.40 
8.50 
8.60 


8.73 
8.86 
9.01 
9.17 
9-36 

9-55 

9.78 

10.02 

10.30 

10.60 


10.97 

11.83 
12.38 
13.00 

13.69 
14.47 
15-33 

16.31 

17.38 
18.59 


7-57 
7.61 

7-65 

7.70 

7-75 

7.80 
7.86 
7-93 
7-99 
8.06 

8.14 
8.24 
8-33 
8-43 
8-55 

8.67 
8.82 
8.97 
9-15 
9-33 

9-54 

9-77 
10.04 

™-33 
10.68 

11 .06 
11.50 
12.02 
12.61 
13.28 

14.02 
14.85 

15.78 
16.81 
17.96 

19.23 


7.49 

7-53 
7-57 
7.62 
7.67 

7-73 
7-79 
7.85 
7.92 

7-99 

8.08 
8.17 
8.26 
*-37 
8.49 

8.63 

8. 77 

8-94 
9. 11 

9-31 

9-53 

9-79 

10.06 

10.39 

">-75 

11. 18 
11.68 
12.24 
12.88 
J3-59 

14.38 

15-27 
16.25 

17-35 
18.56 

19.89 


7.42 
7-45 
7.5o 
7-55 
7-59 

7.65 

7.71 

7-77 
7.84 
7.92 

8.01 
8.09 
8.20 

8.44 

8.58 

8-74 
8.90 
9.09 
9.29 

9-54 

9.80 

10. 11 

10.46 

10.86 

11-33 
11.87 
12.48 
13.16 
13-91 

14.76 

i5-7o 

16.75 
17.90 
19.17 

20.58 


7.33 

7.37 
7.42 
7.46 
7.5i 

7-57 
7.62 
7.69 

7-77 
7.84 

7.92 

8.02 

8.13 
8.25 
8.38 

8.53 
8.68 
8.86 
9.06 
9.29 

9-53 

9.83 

10.16 

10.54 

11 .00 

11. 51 
12.09 
12.74 
13.46 
14.27 

15.16 
16.16 
17.26 
18.47 
19.81 

21 .29 


7-25 
7.29 

7-33 
7.38 
7-43 

7.48 

7-54 
7.61 
7.68 
7.76 

7.85 

7-95 
8.07 
8.19 

8-33 


8, 


47 


8.64 
8.82 
9.04 
9.28 

9-56 

9.87 
10.23 
10.66 
11. 15 

11.70 
12.32 
13.00 

*3-77 
14.62 

15.57 

16.62 

x7-77 
19.05 
20.46 


Am.3J* 


20Pay.L 


252 

Principles  and  Practice 

Table  No.  LXXX. — Continued. 

COST 

OF  INSURANCE 

PER    $1000   OF 

A  TWENTY-PAYMENT 

LIFE    POLICY    DURING    VARIOUS 

YEARS, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

8th 

9th 

10th 

llth 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.16 

7.06 

6.97 

6.87 

6-75 

6.64 

6-53 

21 

7.20 

7. II 

7.01 

6.90 

6.79 

6.68 

6.56 

22 

7.24 

7.15 

7.04 

6.94 

6.84 

6.72 

6.60 

23 

7.29 

7.19 

7.09 

6.99 

6.89 

6. 77 

6.65 

24 

7-33 

7.24 

7-i5 

7-05 

°-93 

6.82 

6.70 

25 

7-39 

7-3° 

7.21 

7.10 

7.00 

6.88 

6.77 

26 

7.46 

7.30 

7.26 

7.17 

7.06 

6.96 

6.84 

27 

7-52 

7-43 

7-34 

7.24 

7.14 

7-03 

6.92 

28 

7-59 

7.51 

7.41 

7-33 

7.22 

7.12 

7.OI 

29 

7.68 

7-59 

7-5i 

7.42 

7-33 

7.22 

7. II 

30 

7-77 

7.70 

7.61 

7-53 

7-43 

7-33 

7.22 

31 

7.88 

7.80 

7-73 

7-63 

7-55 

7-45 

7-35 

32 

7-99 

7-93 

7.84 

7.76 

7.68 

7-59 

7-5o 

33 

8.13 

8.05 

7.98 

7.90 

7.83 

7-75 

7.68 

34 

8.26 

8.20 

8.13 

8.07 

8.00 

7-95 

7.88 

35 

8.42 

8.36 

8.32 

8.26 

8.21 

8.16 

8. 11 

36 

8-59 

8.56 

8.51 

8.48 

8.44 

8.41 

8.40 

37 

8.80 

8.76 

8-75 

8-73 

8.72 

8.72 

8.72 

38 

9.02 

9.02 

9.01 

9.02 

9.04 

9.06 

9.08 

39 

9.29 

9-3° 

9-32 

9-36 

9.41 

9-45 

9.48 

40 

9-58 

9.62 

9.68 

9-75 

9.82 

9.88 

9-93 

4i 

9-93 

IO.OI 

10.10 

10.19 

10.28 

10.36 

10.43 

42 

10.34 

IO.45 

IO-57 

10.69 

10.80 

10.90 

10.98 

43 

10.80 

IO.94 

11 .09 

11.23 

11.38 

11.49 

JI-59 

44 

11.32 

II.50 

11.67 

11.85 

12.01 

12.16 

12.26 

45 

11. 91 

12. II 

12-33 

I2-53 

12.72 

12.88 

12.99 

46 

12.56 

I2.8l 

J3-°5 

13.29 

!3-50 

13-67 

13.80 

47 

13.29 

»3-57 

13-85 

14.12 

14.35 

M-55 

14.70 

48 

14.09 

14.42 

14.74 

15.03 

I5-3° 

15-52 

15.68 

49 

15.00 

I5-36 

15.71 

16.04 

16.34 

16.59 

16.75 

5o 

15.99 

16.39 

16.79 

17.16 

17.49 

17-75 

17.92 

5i 

17.08 

J7-54 

17.98 

18.39 

18.75 

19.03 

19.20 

52 

18.29 

18.80 

19.30 

J9-75 

20.13 

20.43 

20.62 

53 

19.63 

20.20 

20.74 

21.23 

21.65 

21.98 

22.17 

54 

21 .10 

21.73 

22 .32 

22.86 

23-33 

23.68 

j    23.88 

55 

22.73 

23.41 

24.06 

24.66 

25-i7 

25-54 

25-75 

20Pay.L. 


Am.3l* 


uf  Life  Insurance. 

253 

Table  No. 

LXXX.  — Concluded. 

COST  OF  INSURANCE  PER   $1000  OF  A  TWENTY-PAYMENT 

LIFE 

POLICY 

DURING 

VARIOUS  YEARS 

,  AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

15th 

16th 

17th 

18th    ' 

19th 

20th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.40 

6.26 

6.13 

5-98 

5.83 

5-69 

21 

6.43 

6.30 

6.16 

6.02 

5-86 

5-73 

22 

6.48 

6.34 

6.21 

6.06 

5-9° 

5-77 

23 

6.52 

6.40 

6.26 

6. 11 

5-95 

5.82 

24 

6.59 

6-45 

6.32 

6.16 

6.00 

5-89 

25 

6.65 

6.52 

6.38 

6.23 

6.06 

5-96 

26 

6.72 

6-59 

6.45 

6.30 

6.14 

6.06 

27 

6.80 

6.67 

6.53 

6-39 

6.22 

6.16 

28 

6.89 

6.76 

6.63 

6.48 

6-33 

6.29 

29 

6.99 

6,87 

6.74 

6.60 

6-45 

6-44 

30 

7. 11 

6.99 

6.87 

6.74 

6.60 

6.62 

31 

7-25 

7.14 

7-°3 

6.90 

6.77 

6.82 

32 

7.41 

7-31 

7.21 

7.10 

6.97 

7.04 

33 

7-59 

7-51 

7-43 

7-33 

7.20 

7.28 

34 

7.81 

7-75 

7.68 

7-58 

7-45 

7-55 

35 

8.07 

8.02 

7.96 

7.86 

7-73 

7.84 

36 

8.37 

8-33 

8.27 

8.17 

8.03 

8.15 

37 

8.71 

8.67 

8.61 

8.52 

8-37 

8.48 

38 

9.08 

9-o5 

9.00 

8.89 

8-73 

8.84 

39 

9.49 

9.48 

9.42 

9-3i 

9.12 

9.22 

40 

9-95 

9.94 

9.88 

9.76 

9-54 

9.63 

4i 

10.46 

10.46 

10.39 

10.24 

10.00 

10.06 

42 

11 .02 

11 .02 

10.94 

10.77 

10.49 

10.52 

43 

11.64 

11.63 

n-54 

n-35 

11 .02 

11.00 

44 

12.31 

12.30 

12.19 

11.97 

n-59 

11.50 

45 

I3-°S 

13-03 

12.91 

12.64 

12.19 

12.03 

46 

13-87 

13.84 

13.68 

13-36 

12.83 

12.58 

47 

14.76 

14.71 

14.52 

14.14 

!3-52 

I3-I5 

48 

15-74 

15.66 

15-43 

14.98 

14.25 

13-75 

49 

16.80 

16.70 

16.43 

15.90 

15*03 

14.36 

50 

17.96 

17.85 

i7-5i 

16.88 

15-87 

14.99 

5i 

19.25 

19.09 

18.68 

17.94 

16.76 

J5-63 

52 

20.65 

20.45 

19.97 

19.09 

17.70 

16.24 

53 

22.18 

21.94 

2i-35 

20.32 

18.69 

16.82 

54 

23.87 

23-56 

22.87 

21.64 

19.70 

17.36 

55 

25.70 

25-33 

24.49 

23.02 

20.73 

17.87 

Am.3l* 


lOYr.End 


254 


Principles  and  Practice 


Table  No.  LXXXI. 

COST  OF  INSURANCE  PER   $1000  OF  A  TEN-YEAR  ENDOW- 

MENT POLICY  DURING  VARIOUS  YEARS,  AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

9th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.16 

6.54 

5-87 

5.17 

4-43 

3-64 

2.8l 

1-93 

O.99 

21 

7.21 

6.58 

5-9i 

5.21 

4.46 

3.67 

2.83 

I.94 

1. OO 

22 

7.26 

6.62 

5-95 

5.24 

4-49 

3-70 

2.86 

I  .96 

1 .01 

23 

7-3i 

6.67 

5-99 

5.28 

4.53 

3-73 

2.89 

I.98 

1 .02 

24 

7-35 

6.71 

6.04 

5-33 

4-57 

3-77 

2.91 

2.00 

I.04 

25 

7.40 

6.77 

6.09 

5-37 

4.61 

3.8i 

2.94 

2.03 

I.05 

26 

7.46 

6.82 

6.14 

5-43 

4.66 

3-84 

2.98 

2.05 

1 .06 

27 

7-52 

6.88 

6.20 

5-48 

4.71 

3.89 

3.02 

2.08 

1.08 

28 

7-59 

6-95 

6.26 

5-53 

4.76 

3-94 

3.06 

2. II 

I.09 

29 

7.66 

7.02 

6-33 

5.60 

4.82 

3-99 

3.10 

2.I4 

1. 11 

30 

7-74 

7.09 

6.40 

5-67 

4.89 

4.04 

3-15 

2.l8 

1-I3 

31 

7.81 

7.17 

6.48 

5-74 

4-95 

4. 11 

3.20 

2.22 

1. 16 

32 

7.90 

7.26 

6-57 

5.82 

5-03 

4.18 

3.26 

2.26 

1. 18 

33 

8.00 

7-35 

6.65 

5.9i 

5-« 

4.26 

3-32 

2.31 

1. 21 

34 

8. 11 

7-45 

6.76 

6.01 

5.21 

4-34 

3.40 

2.36 

1.24 

35 

8.21 

7-57 

6.87 

6.12 

5-3i 

4-43 

3-47 

2.42 

1.27 

3<3 

8-35 

7.69 

7.00 

6.24 

5-43 

4-53 

3.56 

2.49 

i»3* 

37 

8.48 

7.84 

7-13 

6.38 

5-55 

4.64 

3-65 

2.56 

*-35 

38 

8.64 

7-99 

7.29 

6.52 

5-68 

4-77 

3.76 

2.64 

1.40 

39 

8.80 

8.16 

7-45 

6.68 

5-83 

4.91 

3.88 

2.74 

1 .46 

40 

9.00 

8-34 

7-63 

6.85 

6.01 

5.06 

4.02 

2.85 

1.52 

4i 

9.19 

8.54 

7-83 

7.06 

6.20 

5.25 

4.18 

2.97 

1-59 

42 

9.42 

8.76 

8.06 

7.28 

6.42 

5-45 

4.36 

3.12 

1.68 

43 

9.66 

9-03 

8.31 

7-54 

6.67 

5-68 

4-57 

3.28 

I  • ."7 

44 

9-95 

9.31 

8.61 

7.83 

6-95 

5.96 

4.81 

3-47 

1.88 

45 

10.25 

9.64 

8.94 

8.16 

7.29 

6.27 

5.08 

3.67 

2.00 

46 

10.62 

10.01 

9-32 

8.56 

7.67 

6.63 

5-39 

3.91 

2.13 

47 

11.03 

10.43 

9-77 

9.00 

8.10 

7.02 

5-73 

4.17 

2.29 

48 

11.49 

10.93 

10.28 

9-51 

8.58 

7.46 

6. 11 

4.46 

2.45 

49 

12.04 

11.50 

10.85 

10.07 

9.12 

7.96 

6-54 

4.79 

2.64 

50 

12.67 

12.14 

11.49 

10.70 

9.72 

8.51 

7.02 

5.16 

2.85 

5i 

13-37 

12.85 

12.21 

11. 41 

10.40 

9.13 

7-55 

5.56 

3.09 

52 

14.15 

13.64 

13.01 

12.19 

11. 15 

9.82 

8.14 

6.02 

3-35 

53 

15.02 

14.54 

13.90 

13.07 

11.98 

10.58 

8.80 

6.52 

3-64 

54 

16.00 

15.53 

14.90 

14.04 

12.91 

11.44 

9-53 

7.09 

3-97 

55 

17.09 

16.64 

16.00 

15.12 

13.94 

12.39 

10.36 

7.72 

4.33 

56 

18.30 

17.86 

17.22 

16.32 

15.09 

13-45 

11.27 

8.42 

4-74 

57 

19.64 

19.22 

18.58 

17.66 

16.38 

14.63 

12.29 

9.21 

5.20 

58 

21.12 

20.73 

20.09 

19-15 

17.80 

15.93 

13.42 

10.J09 

5-71 

59 

22.77 

22.40 

21.77 

20.79 

!9-37 

17.38 

14.69 

11.07 

6.29 

60 

24.60 

24.26 

23-63 

22.61 

21 .12 

19.01 

16.10 

12.17 

6.93 

61 

26.63 

26.32 

25.68 

24.63 

23.07 

20.82 

17.68 

13.41 

7.66 

62 

28.87 

28.58 

27-95 

26.89 

25.24 

22.83 

19.44 

14.78 

8.47 

63 

31.33 

31.09 

30.49 

29.38 

27.64 

25.07 

21 .40 

16.32 

9-37 

64 

34.05 

33-88 

33-28 

32.15 

30.33 

27.56 

23.60 

18.03 

10.37 

65 

37-o8 

36.95 

36.38 

35-23 

33.29 

30.34 

26.02 

19.91 

11 .46 

15Yr.End. 


Am.3i* 


Of  Life  Insurance 


255 


Table  No.  LXXXII. 

COST  OF  INSURANCE  PER  $1000  OF  A  FIFTEEN-YEAR  ENDOW- 

MENT POLICY  DURING   VARIOUS   YEARS,   AMERICAN 

EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

\ear. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.42 

7.07 

6.70 

6.30 

5-88 

5-43 

4-97 

4-47 

21 

7-47 

7.12 

6.74 

6-34 

5-92 

5-48 

5.01 

4.51 

22 

7-52 

7.16 

6.79 

6.38 

5-97 

5-52 

5-05 

4-55 

23 

7-57 

7.21 

6.83 

6.44 

6.02 

5-57 

5.10 

4.60 

24 

7.62 

7.26 

6.89 

6.49 

6.07 

5.62 

5-15 

4.64 

25 

7.67 

7-32 

6.94 

6-54 

6.13 

5.68 

5.20 

4.70 

26 

7-73 

7-38 

7.00 

6.61 

6.19 

5-74 

5.26 

4.76 

27 

7.80 

7-44 

7.07 

6.67 

6.25 

5.80 

5-33 

4.82 

28 

7.86 

7-5i 

7.14 

6.74 

6.32 

5.88 

5-4o 

4.88 

29 

7-94 

7-59 

7.21 

6.82 

6.40 

5-95 

5-47 

4.96 

30 

8.02 

7.66 

7.29 

6.90 

6.49 

6.03 

5.56 

5-04 

31 

8.10 

7-75 

7-39 

6.99 

6-57 

6.13 

5.65 

5-i4 

32 

8.19 

7.85 

7.48 

7.09 

6.68 

6.23 

5-76 

5-24 

33 

8.29 

7-95 

7.58 

7.20 

6.78 

6-35 

5.87 

5-35 

34 

8.40 

8.06 

7.70 

7-32 

6.91 

6.47 

5-99 

5-47 

35 

8.51 

8.18 

7-83 

7-45 

7.04 

6.61 

6.13 

5-6i 

36 

8.05 

8.31 

7-97 

7.60 

7.20 

6-75 

6.28 

5-75 

37 

8.78 

8.47 

8.12 

7.76 

7-35 

6.92 

6.44 

5-93 

38 

8.95 

8.63 

8.30 

7-93 

7-53 

7.10 

6.63 

6. 11 

39 

9.12 

8.82 

8.48 

8.12 

7-73 

7-31 

6.84 

6-33 

40 

9-32 

9.01 

8.69 

8-33 

7.96 

7-54 

7.08 

6-57 

4i 

9-52 

9-23 

8.91 

8.58 

8.21 

7.81 

7-35 

6.85 

42 

9-75 

9-47 

9.18 

8.85 

8.50 

8.10 

7.67 

7.18 

43 

10.00 

9-75 

9.46 

9.16 

8.82 

8.45 

8.04 

7-56 

44 

10.30 

10.05 

9.80 

9.5i 

9.20 

8.85 

8.45 

7.98 

45 

10.62 

10.41 

10.17 

9.91 

9-63 

9-3i 

8.92 

8.45 

40 

11 .00 

10.80 

10.60 

10.38 

10.13 

9.83 

9-45 

8.97 

47 

11. 41 

11 .26 

11 .10 

10.92 

10.69 

10.40 

10.03 

9-57 

48 

11.90 

11.80 

11.68 

11.52 

11.32 

11.05 

10.69 

10.22 

49 

12.46 

12.40 

12.32 

12.20 

12.02 

11.77 

11-43 

10.96 

50 

13.10 

13.09 

13.04 

12.95 

12.80 

12.58 

12.25 

11.78 

5i 

13.83 

13-85 

13.84 

J3-79 

13.68 

13-47 

!3-i5 

12.68 

52 

14.63 

14.70 

14.74 

14-73 

14.65 

14.47 

14.16 

13.69 

53 

!5-53 

15.66 

15-74 

15.78 

15-73 

15-57 

15.28 

14.81 

54 

16.54 

16.72 

16.86 

16.93 

16.92 

16.80 

^.53 

16.06 

55 

17.66 

17.90 

18.09 

18.21 

18.25 

18.16 

17.91 

17.44 

56 

18.91 

19.21 

19-45 

19.63 

19.72 

19.67 

19.44 

18.97 

57 

20.29 

20.65 

20.97 

21.21 

2i-35 

21.34 

21.13 

20.66 

58 

21.81 

22.25 

22.65 

22.96 

23-J5 

23.18 

23.00 

22-55 

59 

23-5° 

24.03 

24.51 

24.89 

25.14 

25.22 

25.09 

24.65 

60 

25.38 

26.00 

26.56 

27.01 

27-33 

27.49 

27-39 

26.96 

Am.3l* 


15Yr.End 


256 

Principles  and  Practice 

Table  No.  LXXXIL— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  A  FIFTEEN-YEAR  ENDOW- 

MENT POLICY  DURING  VARIOUS  YEARS, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

9th 

10th 

11th 

12th, 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-94 

3-39 

2.79 

2.16 

I.49 

O.77 

0.00 

21 

3-98 

3-42 

2.82 

2.19 

I-51 

0.78 

O.OO 

22 

4.02 

3-45 

2.85 

2.21 

!-53 

O.79 

O.00 

23 

4.06 

3-49 

2.89 

2.24 

i-55 

O.80 

O.OO 

24 

4. II 

3-54 

2-93' 

2.27 

i-57 

O.82 

O.OO 

25 

4.16 

3-59 

2.97 

2.3I 

1.60 

O.83 

O.OO 

26 

4.22 

3-^3 

3.02 

2-35 

1.63 

O.85 

O.OO 

27 

4.27 

3-69 

3-°7 

2-39 

1.66 

0.87 

O.OO 

28 

4-34 

3-75 

3.12 

2-44 

1.70 

0.89 

O.OO 

29 

4.41 

3'&3  |       3-i9 

2.49 

1.74 

O.91 

O.OO 

30 

4-5° 

3.90  1       3.26 

2-55 

1.78 

°-93 

O.OO 

31 

4.58 

3-99  i       3-33 

2.61 

1.83 

0.96 

O.OO 

32 

4.68 

4-o7  i       3-4i 

2.68 

1.88 

0.99 

O.OO 

33 

4-79 

4-i8  1       3-5° 

2.76 

1.94 

1.03 

0.00 

34 

4.91 

4.28  j       3.61 

2-85 

2.01 

1.07 

O.OO 

35 

5-°4 

S 
4-4i  |       3-72 

2.96 

2.09 

1. 12 

O.OO 

36 

5-!9 

4.55  !       3-86 

3.07 

2.18 

1. 17 

0.00 

37 

5-35 

4.72  i       4.00 

3.20 

2.29 

1.23 

O.OO 

38 

5-54 

4.90  !       4-i8 

3.36 

2.41 

1.30 

0.00 

39 

5-75 

5-"  1       4.38 

3-54 

2-55 

1.38 

O.OO 

40 

6.00 

5.36  !       4.61 

3-74 

2.70 

1.47 

O.OO 

4i 

6.29 

5.64  j       4.87 

3-96 

2.87 

J-57 

O.OO 

42 

6.62 

5-95  j       5-i6 

4.21 

3.06 

1.68 

O.OO 

43 

6.99 

6.31  j       5.48 

4-49 

3.28 

1.80 

O.OO 

44 

7.40 

6.70  j       5.85 

4.80 

3-52 

1.94 

O.OO 

45 

7.86 

7.15  j       6.26 

5.16 

3-79 

2.10 

O.OO 

46 

8.38 

7.64  j       6.71 

5-55 

4.09 

2.27 

O.OO 

47 

8.96 

8.20  !      7.22 

5-98 

4.42 

2.46 

O.OO 

48 

9.61 

8.81  j    7.78 

6.47 

4.80 

2.68 

O.OO 

49 

io-33 

9.50  1     8.42 

7.02 

5.22 

2.92 

O.OO 

5o 

11. 13 

10.26 

9.12 

7.62 

5-68 

3.19 

O.OO 

5i 

12.02 

II. II 

9.90 

8.30 

6.20 

3-49 

O.OO 

52 

13.01 

12.06 

10.78 

9-o5 

6.78 

3.83 

0.00 

53 

14. 11 

13.12 

11.74 

9.89 

7-44 

4.21 

0.00 

54 

15-34 

14.29 

12.82 

10.83 

8.i7 

4.64 

O.OO 

55 

16.69 

15-59 

14.03 

11.88 

8.98 

5.12 

O.OO 

56 

18.20 

17.04 

15.38 

13.06 

9.90 

5.66 

O.OO 

57 

19.88 

18.66 

16.87 

J4-37 

10.93 

6.26 

O.OO 

58 

21.74 

20.45 

18.55 

15.84 

12.07 

6-93 

O.OO 

59 

23.81 

22.46 

20.41 

*7-47 

13-35 

7.68 

O.OO 

60 

26.11. 

24.68 

22.49 

19.29 

14.76 

8.50 

O.OO 

20Yr.End. 


Am.3l% 


Of 

Life  Insurance. 

257 

' 

Table  No 

.  LXXXIII. 

COST  OF  INSURANCE  PER  $1000  OF  A  TWENTY-YEAR  ENDOW- 

MENT POLICY  DURING   VARIOUS 

YEARS, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

\ear. 

20 

7-55 

7-33 

7.IO 

6.85 

6-59 

6.31 

6.02 

21 

7.60 

7-38 

7.14 

6.90 

6.63 

6.36 

6.07 

22 

7-65 

7-43 

7.19 

6.94 

6.69 

6.41 

6.12 

23 

7.70 

7.48 

7.24 

7.00 

6.74 

6.46 

6.18 

24 

7-75 

7-53 

7-3° 

7.06 

6.80 

6-53 

6.24 

25 

7.80 

7-59 

7-3<> 

7. 11 

6.86 

6.59 

6.30 

26 

7.86 

7-65 

7.42 

7.18 

6 -93 

6.66 

6.37 

27 

7-93 

7.71 

7-49 

7-25 

7.00 

6-73 

6.45 

28 

7-99 

7-79 

7-57 

7-33 

7.08 

6.82 

6.54 

29 

8.07 

7.86 

7.64 

7-4i 

7.17 

6.91 

6.62 

30 

8.i5 

7-94 

7-73 

7-5° 

7.26 

7.00 

6-73 

31 

8.23 

8.03 

7.83 

7.60 

•7-36 

7. 11 

6.84 

32 

8-33 

8.14 

7-93 

7.70 

7-47 

7.22 

6.96 

33 

8.43 

8.24 

8.03 

7.82 

7-59 

7-36 

7.10 

34 

8-54 

8.35 

8.16 

7-95 

7-73 

7.5o 

7"-25 

35   ' 

8.65 

8.48 

8.29 

8.09 

7.88 

7.66 

7.41 

36 

8.79 

8.61 

8.44 

8.25 

8.05 

7.82 

7-59 

37 

8.93 

8.78 

8.60 

8.42 

8.22 

8.01 

7.78 

38 

9.10 

8-94 

8.79 

8.61 

8.42 

8.22 

8.01 

39 

9.27 

9-J3 

8.98 

8.81 

8.64 

8.46 

8.25 

40 

9-47 

9-33 

9.19 

9.04 

8.89 

8.71 

8-54 

4i 

9.68 

9-56 

9-43 

9-3° 

9.16 

9.02 

8.86 

42 

9.91 

9.80 

9.70 

9-59 

9.48 

9-36 

9-23 

43 

10.17 

10.09 

10.00 

9.92 

9.84 

9-75 

9.67 

44 

10.47 

10.40 

W.3S 

10.30 

10.25 

10.21 

10.16 

45 

10.79 

10.77 

10.74 

10.73 

10.73 

10.73 

10.71 

46 

11. 17 

11 .17 

11 .19 

11.23 

11 .27 

/II-3I 

XI-33 

47 

n-59 

11 .64 

11 .72 

11.80 

11.89 

11 .96 

12  .02 

48 

12.08 

12.19 

12.32 

12.45 

i2-57 

12.69 

12.79 

49 

12.65 

12.81 

12.99 

13.16 

13-33 

!3-5° 

13-65 

5o 

*3-3° 

i3-5i 

*3-74 

13.96 

14.19 

14.40 

14.60 

5i 

14.03 

14.30 

14.57 

14.86 

I5-I4 

i5-4i 

J5-65 

52 

14.85 

I5-I7 

15.51 

I5-85 

16.19 

16.52 

16.81 

53 

15-75 

16.15 

16.54 

16.96 

17.36 

17.74 

18. 11 

54 

16.77 

i7-23 

17.70 

18.18 

18.64 

19.10 

19-53 

55 

17.90 

18.43 

18.98 

19.52 

20.07 

20.60 

21 .11 

Am.  3^* 


20Yr.End 


258 

Principles  and  Practice 

Table  No.  LXXXIIL— Continued. 

COST  OF  INSURANCE  PER  Siooo  OF  A  TWENTY-YEAR  ENDOW- 

MENT POLICY   DURING   VARIOUS 

YEARS, 

AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

8th 

9th 

10th 

nth 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-7i 

5.38 

5-°4 

4.67 

4.28 

3-86 

3-42 

21 

5-76 

5-43 

5.09 

4.72 

4-33 

3-91 

3-47 

22 

5.81 

5-49 

5.14 

4.77 

4.38 

3-96 

3-5i 

23 

5-87 

5-54 

5.20 

4.83 

4-44 

4.02 

3-57 

24 

5-93 

5.60 

5.26 

4.90 

4-50 

4.08 

3-63 

25 

6.00 

5.68 

5-33 

4.96 

4-57 

4.15 

3-7o 

26 

6.07 

5-75 

5.40 

5-°4 

4.64 

4-23 

3-77 

27 

6.15 

5-83 

5-49 

5.12 

4-73 

4.31 

3-85 

28 

6.23 

5-92 

5.58 

5.22 

4.82 

4.40 

3-94 

29 

6-33 

6.01 

5.68 

5-32 

4-93 

4-5° 

4.03 

30 

6-43 

6.13 

5-79 

5-43 

5-04 

4.61 

4.14 

31 

6.56 

6.24 

5-92 

5-55 

5.16 

4-73 

4.26 

32 

6.68 

6.38 

6.05 

5-69 

5-29 

4.87 

4.40 

33 

6.82 

6.52 

6.19 

5-84 

5-45 

5.02 

4.56 

S4 

6.97 

6.68 

6-35 

6.01 

5.62 

5.20 

4-73 

35 

7.14 

6.85 

6-54 

6.19 

5.82 

5 -4o 

4-93 

36 

7-32 

7-05 

6.74 

6.41 

6.04 

5.63 

5-17 

37 

7-54 

7.27 

6.98 

6.66 

6.30 

5-9° 

5-44 

38 

7-77 

7-52 

7-25 

6.94 

6.60 

6.21 

5-74 

39 

8.04 

7.8! 

7-55 

7.27 

6.94 

6-55 

6.08 

40 

8.35 

8.14 

7.91 

7.64 

7-32 

6-93 

6.45 

4i 

8.70 

8.52 

!-31 

8.06 

7-75 

7-36 

6.88 

42 

9. 11 

8-95 

8.77 

8-53 

8.23 

7.84 

7-35 

43 

9-57 

9.44 

9.28 

9.05 

8.76 

8.38 

7.88 

44 

10.09 

9.99 

9.84 

9.64 

9.36 

8.98 

8.46 

45 

10.67 

10.60 

10.48 

10.29 

10.02 

9.64 

9. 11 

46 

11.32 

11.28 

n. 19 

11.02 

10.76 

10.37 

9-83 

47 

12.05 

12.04 

n.98 

11.83 

"•57 

1 1. 19 

10.64 

48 

12.86 

12.89 

12.85 

12.72 

12.48 

12.10 

"•53 

49 

I3-76 

13.82 

13-81 

J3-7i 

13-49 

13. 11 

12.52 

5o 

14.76 

14.85 

14.88 

14.81 

14.61 

14.23 

13.62 

5i 

15.85 

16.00 

16.07 

16.03 

15.84 

15.46 

14.83 

52 

17.08 

17.27 

17-39 

I7-38 

17.21 

16.83 

16.19 

53 

18.42 

18.68 

18.84 

18.86 

18.71 

18.35 

17.69 

3* 

19.92 

20.23 

20.43 

20.50 

20.39 

20.03 

x9-35 

55 

21.56 

21.93 

22.19 

22.32 

22.24 

21.89 

21 .20 

20Yr.End. 


Am.3i* 


Of  Life  Insurance. 


259 


Table  No. 

LXXXIIL—  Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  A  TWENTY- YEAR  ENDOW- 

MENT POLICY 

DURING   VARIOUS   YEARS,   AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

15th 

16th 

17th 

18th 

19th 

20th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

2-95 

2.44 

I.90 

I-3I 

O.68 

O.00 

21 

2.99 

2.48 

i-93 

1-34 

O.70 

0.00 

22 

3 -04 

2.52 

1.97 

i-37 

O.71 

O.OO 

23 

3-09 

2-57 

2.01 

1.40 

o-73 

0.00 

24 

3-i5 

2.62 

2.05 

1-43 

°-75 

O.00 

25 

3.21 

2.68 

2.IO 

1.46 

0.77 

O.00 

26 

3.28 

2.74 

2.15 

1.50 

0.79 

O.OO 

27 

3-35 

2.80 

2.21 

i-55 

0.82 

O.OO 

28 

3-43 

2.88 

2.27 

1 .60 

0.85 

O.OO 

29 

3-52 

2.97 

2.34 

1.66 

0.88 

O.OO 

30 

3^3 

3.06 

2-43 

1.72 

0.92 

O.OO 

31 

3-74 

3-i7 

2.52 

1.79 

0.96 

0.00 

32 

3.88 

3-29 

2.63 

1.88 

1. 01 

O.00 

33 

4.03 

3-43 

2.76 

1.98 

1.07 

O.00 

34 

4.20 

3.60 

2.91 

2.09 

1. 14 

o.od 

35 

4.40 

3-79 

3-07 

2.22 

1. 21 

0.00 

36 

4.63 

4.00 

3-25 

2.36 

1.29 

0.00 

37 

4.89 

4.24 

3-46 

2.52 

1.38 

0.00 

38 

5.18 

4-5° 

3-69 

2.69 

1.48 

0.00 

39 

5-5° 

4.80 

3-95 

2.89 

i-59 

0.00 

40 

5.87 

5.i4 

4-23 

3-n 

1.72 

0.00 

41 

6.27 

5-5i 

4-55 

3-35 

1.86 

0.00 

42 

6.72 

5-92 

4.91 

3.63 

2.02 

0.00 

43 

7.22 

6.38 

5-3° 

3-93 

2.20 

0.00 

44 

7.78 

6.89 

5-75 

4.27 

2.39 

0.00 

45 

8.40 

7.46 

6.24 

4.65 

2.61 

0.00 

46 

9.09 

8.10 

,6.79 

5-°7 

2.86 

0.00 

47 

9.86 

8.81 

7.40 

5-55 

3-13 

0.00 

48 

10.72 

9-59 

8.08 

6.08 

3-44 

0.00 

49 

11.66 

10.47 

8.84 

6.67 

3-79 

0.00 

5o 

12.71 

n-45 

9.69 

7-33 

4.18 

0.00 

5i 

13.89 

I2-53 

10.64 

8.07 

4.61 

0.00 

52 

IS-I9 

J3-74 

11. 71 

8.90 

5.10 

0.00 

53 

16.64 

15.09 

12.88 

9.82 

5-64 

0.00 

54 

18.25 

16.59 

14.20 

10.85 

6.24 

0.00 

55 

20.03 

18.26 

15-66 

11.98 

6.90 

0.00 

Am.3!* 


25Yr.End 


260 

Principles  and 

Practice 

Table  No.  LXXXIV. 

COST 

OF  INSURANCE  PER 

$1000 

OF  A  TWENTY-FIVE-YEAR 

ENDOWMENT   POLICY   DURING    VARIOUS 

YEARS, 

AMERICAN 

EXPERIENCE,     THREE     AND 

ONE-HALF  PER  CENT 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

\ear. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.62 

7.48 

7-33 

7.17 

7.00 

6.81 

6.63 

6-43 

21 

7.67 

7-53 

7.38 

7.22 

7.04 

6.87 

6.68 

6.48 

22 

7.72 

7-58 

7-43 

7.26 

7.10 

6.92 

6.74 

6-54 

23 

7-77 

7-63 

7.48 

7-32 

7.16 

6.98 

6.80 

6.61 

24 

7.82 

7.68 

7-54 

7-38 

7.22 

7-°5 

6.87 

6.67 

25 

7.88 

7-74 

7.60 

7-44 

7.29 

7.12 

6-93 

6-75 

26 

7-94 

7.8! 

7.66 

7-52 

7-36 

7.19 

7.01 

6.83 

27 

8.01 

7.87 

7-73 

7-59 

7.43 

7.27 

7 .  10 

6.92 

28 

8.07 

7-95 

7.81 

7.66 

7-5i 

7-36 

7.19 

7.01 

29 

8.15 

8.02 

7.89 

7-75 

7.61 

7-45 

7.28 

7.12 

30 

8.23 

8.10 

7.98 

7.85 

7.71 

7-55 

7.40 

7-23 

31 

8.31 

8.19 

8.08 

7-95 

7.80 

7.67 

7-5i 

7.36 

32 

8.40 

8.30 

8.18 

8.05 

7-93 

7-79 

7.65 

7-5° 

33 

8.51 

8.40 

8.29 

8.18 

8.05 

7-93 

7-79 

7.66 

34 

8.62 

8.51 

8.42 

8.30 

8.20 

8.08 

7.96 

7.82 

35 

8-73 

8.65 

8-55 

8.46 

8-35 

8.25 

8.13 

8.01 

36 

8.87 

8.78 

8.71 

8.61 

8-53 

8.42 

8.32 

8.21 

37 

9.01 

8.95 

8.87 

8.81 

8.71 

8.62 

8.53 

8.44 

38 

9.18 

9. 11 

9.06 

8.98 

8.91 

8.84 

8.77 

8.69 

39 

9-35 

9-3i 

9-25 

9.20 

9.14 

9.09 

9-°3 

8.99 

40 

9-55 

9-5i 

9-47 

9-43 

9.40 

9.36 

9-35 

9-32 

4i 

9.76 

9-74 

9.71 

9.70 

9.68 

9.69 

9.69 

9.70 

42 

10.00 

9.98 

9.99 

9.99 

10.01 

10.04 

10.08 

10.15 

43 

10.25 

10.27 

10.29 

10.34 

10.38 

10.45 

IO-55 

10.65 

44 

IO-55 

10.59 

10.65 

10.72 

10.81 

10.93 

11 .07 

11.22 

45 

10.88 

10.96 

11 .04 

11 .16 

11. 31 

11.48 

11.66 

11.85 

46 

11 .26 

11.36 

11.50 

11.67 

11.87 

12.09 

12.31 

I2-55 

47 

11.68 

11.84 

12.03 

12.26 

12.50 

12.77 

13.04 

J3-34 

48 

12.17 

12.39 

12.64 

12.91 

13.21 

13-52 

13.86 

14.20 

49 

I2-75 

13.02 

J3-32 

13-65 

I3-99 

J4-37 

14.76 

15-16 

50 

13.40 

J3-73 

14.08 

14.46 

14.87 

I5-3° 

I5-76 

16.22 

25Yr.End. 


Am.&% 


Of  Life  Insurance 

261 

Table  No.  LXXXIV.— Continued. 

COST 

OF  INSURANCE  PER   $1000  OF  A  TWENTY-FIVE-YEAR 

ENDOWMENT 

POLICY    DURING    VARIOUS 

YEARS, 

AMERICAS 

f     EXPERIENCE,     THREE     AND 

ONE-HALF  PER  CENT. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.21 

5-99 

5.76 

5-55 

5-24 

4.96 

4.66 

4-33 

21 

6.27 

6.05 

5'^ 

5.56 

5-3° 

5.02 

4.72 

4.40 

22 

6-33 

6. 11 

5.88 

5-64 

5-37 

5-°9 

4-79 

4.47 

23 

6.40 

6.18 

5-95 

5-7i 

5.44 

5-17 

4.87 

4.56 

24 

6.47 

6.26 

6.03 

5.78 

5-53 

5-25 

4.96 

4.64 

25 

6-55 

6.34 

6. 11 

5.87 

5.62 

5-35 

5.06 

4-74 

26 

6.64 

6.42 

6.21 

5-97 

5-72 

5-45 

5-17 

4.85 

27 

6.72 

6.52 

6.30 

6.08 

5.83 

5-57 

5.28 

4-97 

28 

6.83 

6.63 

6.42 

6.19 

5-96 

5.69 

5-4i 

5-09 

29 

6-93 

6-75 

6.54 

6-33 

6.08 

5.83 

5-54 

5.24 

30 

7.06 

6.87 

6.68 

6.46 

6.23 

5.98 

5.7i 

5-40 

3i 

7.19 

7.02 

6.82 

6.62 

6-39 

6.15 

5.88 

5.60 

32 

7-35 

7.17 

6.99 

6.78 

6-57 

6.34 

6.09 

5.8l 

33 

7-5° 

7-34 

7.16 

6.98 

6.77 

6.56 

6.32 

6.05 

34 

7.68 

7-53 

7-37 

7.19 

7.01 

6.80 

6.58 

6-33 

35 

7.87 

7-74 

7-59 

7-44 

7.27 

7.09 

6.89 

6.66 

36 

8.10 

7-97 

7-85 

7.72 

7-57 

7.42 

7.24 

7.02 

37 

8-34 

8.25 

8.14 

8.03 

7.92 

7-79 

7-63 

7.42 

38 

8.63 

8-55 

8.48 

8.41 

8.32 

8.21 

8.07 

7.87 

39 

8.94 

8.90 

8.87 

8.83 

8.77 

8.68 

8.55 

8.38 

40 

9-3i 

9-3i 

9-3.i 

9-3° 

'   9.27 

9.20 

9.10 

8-94 

4i 

9-74 

9.78 

9.81 

9.83 

9.82 

9.78 

9.70 

9-56 

42 

10.22 

10.30 

10.36 

10.41 

10.44 

10.43 

IO-37 

10.25 

43 

10.77 

10.88 

10.98 

11 .07. 

11 .12 

11. 15 

11 .11 

11 .00 

44 

n-37 

11.52 

11 .67 

11.79 

11.89 

11.94 

11 -93 

11. 85 

45 

12.04 

12.24 

12.43 

12  .60 

12.73 

12.81 

12.84 

12.78 

46 

12.80 

13.04 

J3-27 

13.48 

J3-65 

13.78 

13.84 

13.81 

47 

*3-63 

J3-93 

14.21 

14.46 

14.68 

14.85 

J4-95 

14.94 

48 

14.55 

14.90 

i5-33 

15.54 

15.81 

16.03 

16.17 

16.19 

49 

15-57 

*5-97 

16.36 

16.73 

17.06 

J7-33 

n-s0 

17-56 

5o 

16.69 

17.16 

17.61 

18.05 

18.43 

18.75 

18.97 

19.08 

Am.31* 


25Yr.End 


262 

Principles  and 

Practice 

Table  No.  LXXXIV.— Concluded. 

COST 

OF  INSURANCE  PER 

$1000  OF  A  TWENTY-FIVE-YEAR 

ENDOWMENT    POLICY    DURING    VARIOUS 

YEARS, 

AMERICAN     EXPERIENCE,     THREE     AND 

ONE-HALF  PER  CENT. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-99 

3.62 

3-23 

2.8o 

2-34 

I.83 

I.28 

O.67 

21 

4.06 

3-69 

3-29 

2.86 

2-39 

1.88 

*-3« 

O.69 

22 

4.13 

3-76 

3'36 

2-93 

2.45 

!-93 

*-35 

O.71 

23 

4.21 

3-84 

3-44 

3.00 

2.51 

1.98 

1-39 

O.74 

24 

4-3° 

3-93 

3-52 

3.08 

2-59 

2.05 

1-45 

O.77 

25 

4.40 

4-03 

3.61 

3-17 

2.67 

2 .12 

1.50 

O.80 

26 

4-5i 

4.13 

3-72 

3-27 

2.77 

2.20 

x-57 

O.84 

27 

4.62 

4.25 

3.84 

3-39 

2.87 

2.30 

1.64 

O.89 

28 

4.76 

4-3« 

3.98 

3-52 

3.00 

2.41 

i-73 

O.94 

29 

4.91 

4-54 

4.13 

3-67 

3-i4 

2-54 

1.83 

O.99 

30 

5.08 

4.71 

4-3° 

3-84 

3-3i 

2.68 

1.94 

I.05 

31 

5-27 

4.91 

4-51 

4.04 

3-49 

2.84 

2.06 

1. 12 

32 

5-49 

5-i5 

4-74 

4.27 

3-7° 

3.02 

2 .20 

I.20 

33 

5-75 

5-4i 

5.00 

4.52 

3-93 

3.22 

2-35 

I.29 

34 

6.05 

5-7i 

5-3° 

4.80 

4.19 

3-44 

2.52 

!-39 

35 

6.38 

6.04 

5.62 

5-u 

4-47 

3-69 

2.71 

1.50 

36 

6-75 

6.41 

5-99 

5-46 

4.80 

3-96 

2.92 

1.62 

37 

7.16 

6.82 

6.40 

5-85 

5-i5 

4.27 

3.16 

1.76 

38 

7.62 

7.29 

6.85 

6.28 

5-55 

4.61 

3-42 

1. 91 

39 

8.13 

7.80 

7-35 

6.76 

5-99 

4.99 

3-7i 

2.08 

40 

8.70 

8-37 

7.91 

7.29 

6.48 

5-42 

4.04 

2.27 

4i 

9-33 

8-99 

8-53 

7.88 

7.02 

5.89 

4.40 

2.48 

42 

10.03 

9.69 

9.21 

8-54 

7-63 

6.41 

4.80 

2.71 

43 

10.80 

10.47 

9-97 

9.27 

8.30 

6.99 

5.26 

2.98 

44 

11.65 

**-33 

10.82 

10.08 

9.04 

7.64 

5-76 

3-27 

45 

12.60 

12.27 

n-75 

10.97 

9.87 

8.36 

6.32 

3.60 

46 

13-65 

I3-32 

12.77 

11 .96 

10.79 

9.17 

6-95 

3-97 

47 

14.79 

14.47 

13.92 

13.06 

11.82 

10.06 

7-65 

4.38 

48 

16.06 

15-75 

15.18 

14.28 

12.95 

11 .06 

8-43 

4.84 

49 

17-47 

17.16 

16.58 

15.64 

14.21 

12.17 

9-3° 

5-35 

5o 

19.01 

18.72 

18.13 

*7«*3 

15.61 

x3-39 

10.24 

5-9° 

30Yr.End. 


Am.3i* 


Of  Life  Insurance 

263 

Table  No.  LXXXV. 

COST  OF  INSURANCE  PER  $1000  OF  A  THIRTY- YEAR  ENDOW- 

MENT POLICY  DURING   VARIOUS   YEARS,   AMERICAN 

EXPERIENCE, 

THREE  AND  ONE-HALF  PER  CENT 

1st 

3d 

3d 

4th 

5th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.67 

7-58 

7.48 

7-37 

7.26 

7.14 

7.01 

6.88 

21 

7.72 

7-63 

7-53 

7.42 

7-31 

7.19 

7.07 

6.94 

22 

7-77 

7.68 

7-58 

7-47 

7-36 

7-25 

7-i3 

7.01 

23 

7.82 

7-73 

7-63 

7-53 

7.42 

7.31 

7.20 

7.07 

24 

7.87 

7.78 

7.69 

7-59 

7.48 

7-38 

7.26 

7.14 

25 

7.92 

7.84 

7-75 

7-65 

7-55 

7-45 

7-33 

7.22 

26 

7-99 

7.90 

7.81 

7.72 

7-63 

7-52 

7.41 

7-3i 

27 

8.05 

7-97 

7.89 

7.80 

7.70 

7.60 

7-5i 

7.40 

28 

8.12 

8.04 

7.96 

7.87 

7.78 

7.70 

7.60 

7-49 

29 

8.20 

8.12 

8.04 

7.96 

7.88 

7-79 

7.70 

7.61    , 

30 

8.28 

8.20 

8.13 

8.06 

7.98 

7.89 

7.81 

7.72 

3'i 

8.36 

8.29 

8.23 

8.16 

8.08 

8.01 

7-93 

7.86 

32 

8-45 

8.40 

8.34 

8.26 

8.21 

8.14 

8.08 

8.00 

33 

8.56 

8.50 

8.44 

8-39 

8-33 

8.28 

8.22 

8.17 

34 

8.67 

8.61 

8.57 

8.52 

8.48 

8.43 

8.39 

8-34 

35 

8.78 

8-75 

8.70 

8.68 

8.64 

8.61 

8.56 

8.53 

36 

8.92 

8.88 

8.86 

8.83 

8.81 

8.78 

8.76 

8.74 

37 

9.06 

9-°5 

9-03 

9.02 

9.00 

8-99 

8.97 

8.98 

38 

9-23 

9 .22 

9.22 

9.20 

9.21 

9.21 

9.22 

9.24 

39 

9.40 

9.41 

9.41 

9.42 

9-43 

9.46 

9.49 

9-55 

40 

9.60 

9.61 

9-63 

9-65 

9.70 

9-74 

9.81 

9.89 

4i 

9.81 

9.84 

9.87 

9.92 

9.98 

10.06 

10.16 

10.28 

42 

10.05 

10.08 

10.15 

10.21 

10.31 

10.42 

10.56 

10.74 

43 

10.30 

10.38 

10.45 

10.56 

10.68 

10.84 

11.03 

11.25 

44 

10.60 

10.69 

10.81 

10.94 

11 .11 

11.32 

"•57 

11.83 

45 

10.92 

11 .06 

11.20 

JI-39 

11. 61 

11.87 

12.16 

12.48 

Am.3i* 


30Yr.End 


264 


Principles  and  Practice 


Table  No.  LXXXV .—Continued. 

COST  OF  INSURANCE  PER  $1000  OF  A  THIRTY-YEAR  ENDOW- 

MENT POLICY  DURING 

VARIOUS   YEARS,   AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age. 

9th 

10th 

llth 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.74 

6.60 

6.45 

6.28 

6. 11 

5-94 

5-74 

5-53 

21 

6.81 

6.66 

6.51 

6-35 

6.19 

6.01 

5.82 

5.62 

22 

6.87 

6.73 

6.58 

6.43 

6.27 

6.09 

5-9i 

5-7i 

23 

6.94 

6.80 

6.66 

6.51 

6-35 

6.18 

6.00 

5.81 

24 

7.02 

6.89 

6-75 

6.60 

6.44 

6.28 

6. 11 

5-92 

25 

7.10 

6.97 

6.83 

6.70 

6.54 

6-39 

6.22 

6.05 

26 

7.19 

7.06 

6.94 

6.80 

6.66 

6.51 

6-35 

6.17 

27 

7.28 

7.17 

7-°5 

6.92 

6.79 

6.65 

6.49 

6.32 

28 

7-39 

7.28 

7.17 

7-05 

6-93 

6.79 

6.64 

6.48 

29 

7-51 

7.41 

7-3° 

7.20 

7.07 

6.94 

6.80 

6.66 

30 

7.64 

7-55 

7-45 

7-35 

7.24 

7.12 

7.00 

6.86 

31 

7.78 

7.70 

7.61 

7.52 

7.41 

7-32 

7.20 

7.09 

32 

7-94 

7.86 

7.78 

7.70 

7.62 

7-53 

7-45 

7-35 

33 

8.10 

8.04 

7-97 

7.92 

7.84 

7.78 

7.72 

7-65 

34 

8.29 

8.24 

8.20 

8.14 

8. 11 

8.06 

8.03 

8.00 

35 

8.49 

8.47 

8.43 

8.42 

8.40 

8-39 

8-39 

8-39 

36 

8-73 

8.71 

8.72 

8.72 

8-73 

8.76 

8.80 

8.83 

37 

8.98 

9.00 

9-°3 

9.06 

9.12 

9  19 

9.26 

9-3i 

38 

9.28 

9-32 

9-38 

9-47 

9-57 

9.67 

9-77 

9-85 

39 

9.61 

9.69 

9:80 

9-93 

10.06 

10.20 

10.33 

10.46 

40 

9.99 

10.12 

10.27 

10.44 

10.61 

10.78 

10.96 

11. 12 

4i 

10.43 

10.61 

10.80 

11. 01 

11.22 

11.44 

11.65 

11.86 

42 

10.94 

11. 15 

n-39 

11.63 

11.90 

12.16 

12.42 

12.67 

43 

11.50 

11.76 

12.04 

12.34 

12.64 

12.96 

13.26 

i3-56 

44 

12.12 

12.43 

12.76 

13. 11 

J3-47 

13.83 

14.19 

14.54 

45 

12.81 

13.18 

I3-56 

J3-97 

14.38 

14.79 

15.20 

15.61 

30Yr.End. 


Am.  35* 


Of  Life  Insurance. 

265 

Table  No.  LXXXV .—Continued. 

COST  OF  INSURANCE  PER  $1000  OF  A  THIRTY- YEAR  ENDOW- 

MENT POLICY  DURING 

VARIOUS   YEARS,   AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT 

17th 

18th 

19th 

20th 

21st 

22d 

23  d 

24th 

Year. 

\ear. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-32 

5-°9 

4.85 

4.58 

4-3° 

3.98 

3-65 

3-27 

21 

5.4i 

5.18 

4.94 

4.68 

4-39 

4.08 

3-74 

3-37 

22 

5-5i 

5.28 

5-°4 

4.78 

4-5° 

4.19 

3-85 

3-48 

23 

5.61 

5-39 

5-i5 

4.90 

4.61 

4-31 

3-97 

3.60 

24 

5-73 

5-51 

5.28 

5.02 

4.75 

4.44 

4. 11 

3-74 

25 

5-85 

5-64 

5-4i 

5-i7 

4.89 

4.60 

4.27 

3-9° 

26 

5-99 

5.78 

5-57 

5-32 

5.06 

4-77 

4-45 

4.08 

27 

6.14 

5-95 

5-73 

5-5i 

5-25 

4-97 

4.66 

4.29 

28 

6.31 

6.13 

5-93 

5-7i 

5-47 

5.20 

4.89 

4-53 

29 

6.50 

6-34 

6.15 

5-95 

5-73 

5-47 

5.16 

4-79 

30 

6.72 

6-57 

6.40 

6.22 

6.02 

5-76 

5-46 

5.08 

31 

6.97 

6.84 

6.70 

6.54 

6.34 

6.09 

5-79 

5-41 

32 

7-25 

7«i5 

7-°3 

6.89 

6.70 

6.46 

6.16 

5-77 

33 

7.58 

7-5i 

7.41 

7.28 

7.10 

6.87 

6-57 

6.18 

34 

7.96 

7.90 

7.82 

7.71 

7-55 

7-33 

7-°3 

6.63 

35 

8.38 

8.35 

8.29 

8.19 

8.05 

7.84 

7-54 

7.12 

36 

8.84 

8.84 

8.80 

8-73 

8.60 

8.40 

8.09 

7.67 

37 

9-36 

9-38 

9.38 

9-33 

9.21 

9.01 

8.71 

8.28 

38 

9.94 

9.99 

10.01 

9.98 

9.88 

9.70 

9.40 

8.96 

39 

io-57 

10.66 

10.71 

10.70 

10.62 

10.45 

10.16 

9.70 

40 

11.28 

11.40 

11.47 

11.50 

11.44 

11.28 

10.99 

10.52 

4i 

12.05 

12.20 

12.32 

12.37 

12.34 

12.20 

11 .90 

11.42 

42 

12.90 

13.10 

i3-25 

!3-34 

13-33 

13.20 

12.91 

12.42 

43 

13.84 

14.08 

14.27 

14-39 

14.41 

14.30 

14.02 

13-52 

44 

14.86 

15.16 

15-39 

15-55 

15.60 

i5-52 

15.24 

14-73 

45 

15-99 

16.33 

16.61 

16.81 

16.91 

16.85 

16.59 

16.06 

Am.  31* 


30Yr.End 


266 

Principles  and  Practice 

Table  No.  LXXXV .—Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  A  THIRTY-YEAR  ENDOW- 

MENT 

POLICY  DURING   VARIOUS   YEARS,   AMERICAN 

EXPERIENCE,  THREE  AND  ONE-HALF  PER  CENT. 

Age 

25th 

26th 

27th 

28th 

29th 

30th 

Year. 

\ear. 

\ear. 

Year. 

Year. 

Year. 

20 

2.87              2.42 

1 .92 

1.36 

°-73 

O.OO 

21 

2.96      |        2.51 

2  .00 

1.42 

O.76 

O.OO 

22 

3-°7 

2.6o 

2.08 

I.49 

O.80 

O.OO 

23 

3.18 

2.71 

2.18 

i-57 

O.85 

O.OO 

24 

3-32 

2.85 

2.30 

1.65 

O.90 

O.OO 

25 

3-48 

2.99 

2.42 

i-75 

o-95 

O.OO 

26 

3.66 

3.16 

2-57 

1.86 

1 .02 

O.OO 

27 

3.86 

3-34 

2-73 

1.99 

1.09 

O.OO 

28 

4.08 

3-55 

2.91 

2.12 

1. 17 

O.OO 

29 

4-34 

3-78 

3-11 

2.28 

1 .26 

O.OO 

30 

4.62 

4.04 

3-33 

2.45 

i-35 

O.OO 

31 

4-93 

4-33 

3-58 

2.64 

1 .46 

O.OO 

32 

5-28. 

4-65 

3.85 

2.85 

i-59 

O.OO 

33 

5.67" 

5.00 

4.16 

3.08 

1.72 

O.OO 

34 

6.09 

5-40 

4-5° 

3-35 

1.87 

O.OO 

35 

6-57 

>84 

4.88 

3-64 

2.04 

O.OO 

36 

7.10 

V32 

5-3° 

3-96 

2.23 

O.OO 

37 

7.68 

6.86 

5-76 

4-32 

2.44 

O.OO 

38 

8.32 

7-45 

6.28 

4.72 

2.67 

O.OO 

39 

9-°3 

8. 11 

6.85 

5.16 

2-93 

O.OO 

40 

9.82 

8.84 

7-49 

5.66 

3.22 

O.OO 

4i 

10.69 

9-65 

8.19 

6.21 

3-55 

O.OO 

42 

11.65 

10.54 

8.98 

6.83 

3-91 

O.OO 

43 

12.71 

n-53 

9.85 

7-51 

4.31 

O.OO 

44 

13 -89 

12.62 

10.81 

8.26 

4-75 

O.OO 

45 

15,18 

13-83 

11.87 

9.08 

5-23 

O.OO 

The   American 
Experience  Table  of  Mortality 


NET  PREMIUMS  AND  NET  VALUES 


COMPUTED    THEREFROM 
ON    THE    BASIS    OF 


FOUR  PER  CENT  INTEREST. 


Am.4* 


Comm 


268 

Principles  and 

Practice 

Table  No.  LXXXVI. 

1 

COMMUTATION  COLUMNS,  AMERICAN  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

dx 

Nx 

Mx 

*. 

10 

6755.641 

137908.321 

1451.4759 

42004.234 

11 

6447.156 

131152.680 

1402.8223 

40552.758 

12 

6152.593 

124705.524 

1356.2274 

39149.936 

13 

5871-333 

118552.931 

131 1.6047 

37793.709 

14 

5602.778 

112681.598 

1268. 8716 

36482.104 

\l 

5346.364 

107078.820 

1227.9486 

35213.232 

5101.492 

101732.456 

1188.7063 

33985.283 

17 

4867.702 

96630.964 

1151.1274 

32796.577 

18 

4644.497 

91763.262 

1115.1419 

31645.449 

19 

4431.356 

87118.765 

1080.6354 

30530.307 

20 

4227.832 

82687.409 

I047-5473 

29449.672 

21 

4033.496 

78459.577' 

1015.8196 

28402.125 

22 

3847.894 

74426.081 

985-3544 

27386.305 

23 

3670.647 

70578.187 

956.1015 

26400.951 

24 

3501.380 

66907.540 

928.0128 

25444.849 

25 

3339-739 

63406.160 

901.0419 

24516.836 

26 

3185.391 

60066421 

875.1444 

23615.794 

3 

3037.974 

56881.030 

850.2430 

22740.650 

2897.185 

53843.056 

826.2993 

21890.407 

29 

2762.733 

50945.871 

803.2765 

21064.108 

30 

2634.305 

48183.138 

781.1084 

20260.831 

3i 

2511.641 

45548.833 

759.7633 

19479.723 

32 

2394.487 

43037.192 

739.2106 

18719.961 

33 

2282.574 

40642.705 

719.3936 

17980.750 

34 

2175.649 

38360.131 

700.2597 

17261.356 

9 

2073.496 

36184.482 

681.7857 

16561.096 

1975.910 

34110.986 

663.9491 

15879.310 

% 

1882.645 

32135.076 

646.6814 

15215.361 

1793.520 

30252.431 

629.9652 

14568.680 

39 

1708.314 

28458.911 

613.7403 

13938.715 

40 

1626.862 

26750.597 

597.9936 

13324.975 

4i 

1548.970 

25123-735 

582.6723 

12726.981 

42 

1474.492 

23574-765 

567.7670 

12144.308 

43 

1403.242 

22100.273 

553.2313 

11576.541 

44 

1335.081 

20697.031 

539.0410 

11023.310 

45 

1269.830 

19361.950 

525.1397 

10484.269 

46 

1207.360 

18092.120 

511-5097 

9959.1291 

47 

1147.501 

16884.760 

498.0873 

9447.6194 

48 

1090.126 

15737-259 

484.8464 

8949.5321 

49 

1035.085 

14647.133 

471.7342 

8464.6857 

50 

982.2302 

13612.048 

458.6901 

7992.9515 

5i 

931.4364 

12629.817 

445.6742 

7534.2614 

52 

882.5892 

11698.381 

432.6515 

7088.5872 

Comm. 


AmA% 


Of    L,ife  Insurance. 

269 

1 

Table  No.  LXXXVI.— Concluded. 

COMMUTATION  COLUMNS,  AMERICAN  EXPERIENCE, 

[_ 

FOUR  PER  CENT. 

i 

I  Age. 

1 

53 

54 
55 
56 
57 

D* 

N* 

Mx 

K* 

835-5838 
790.3230 
746.7065 

704.6535 
664.0783 

10815.792 
9980.2079 
9189.8849 
8443.1784 
7738.5249 

419.5918 
406.4691 
393.2497 
379-9l6o 
366.4428 

6655-9357 
6236.3439 
5829.8748 
5436.6251 
5056.7091 

58 

61 
62 

624.9134 
587.0969 
550.5613 
515.2547 
481.1291 

7074.4466 
6449.5332 
5862.4363 
5311-8750 
4796.6203 

352.8195 
339.0380 
325.0831 
310.9520 
296.6437 

4690.2663 
4337.4468 
3998.4088 
3673.3257 
3362.3737 

*3 
*4 

67 

448.1477 
416.2850 
385-5146 
355-8I20 
327.1735 

4315.4912 

3867.3*35 
3451.0585 

3065.5439 
2709.7319 

282.1674 
267.5410 
252.7817 
237.9064 
222.9531 

3065.7300 
2783.5626 
2516.0216 
2263.2399 
2025.3335 

68 
69 
70 
7i 
72 

299.6005 
273.0969 
247.6878 
223.3970 
200.2700 

2382.5584 
2082.9579 
1809. 8610 
1562. 1732 
1338.7762 

207.9637 
192.9831 
178.0778 

163.3135 
148.7786 

1802.3804 
1594.4167 
1401  4336 
1223.3558 
1060.0423 

73 
74 

?i 

77 

178.3688 

157.7573 
138.4886 
120.5954 
104.0936 

1 138. 5062 
960.1374 
802.3801 
663.8915 
543.2961 

134.5801 

120.8289 

107.6277 

95.0611 

83.1975 

911.2637 

776.6836 

655.8547 
548.2270 

453.1659 

78 

11 
81 
82 

88.97350 

75.21453 
62.79449 

51.65655 
41.79190 

439-2025 
350.2290 
275.0144 
212.2199 
160.5634 

72.0811 
61.7442 
52.2170 
43.4942 
35.6164 

369.9684 

297.8873 
236.1431 
183.9261 
140.4319 

S3 
!4 

Si 

87 

33.18048 
25.79269 
19.55883 
I4-37665 
10.15101 

118. 7715 
85.59102 

59-79833 
40.23950 
25.86285 

28.6124 
22.5007 
17.2589- 
12.8290 
9.15627 

104.8155 
76.2031 
53.7024 
36.4435 
236145 

88 
89 
90 

9i 
92 

6.802926 
4.273472 
2.482463 
1.301991 
.5853109 

15.71184 
8.908914 
4-635442 
2.152979 
.8509883 

6.19861 
3.93081 

2.30417 
1.21918 

.552581 

14.4582 
8.25962 
4.32881 
2.02464 
.805462 

93 
94 
95 

.2058384 
.0526121 
.0072269 

.2656774 
.0598390 
.0072269 

.195621 

.0503106 

.0069490 

.252881 

.0572596 

.0069490 

Ami* 


Logs 


270 


Principles  and  Practice 


'Table  No.  LXXXVII. 

LOGARITHMS  OF  COMMUTATION   COLUMNS,  AMERICAN 

EXPERIENCE,  FOUR  PER  CENT. 


w 
0 

< 

10 

XDm 

Wm 

IMX 

w 
0 
< 

53 

•KDX 

7,NX 

^Mx 

3.8296666 

5-i3959°5 

3.1618098 

2.9219900 

4.0340584 

2.6228269 

II 

3.8093682 

5.II77772 

3.1470027 

54 

2.8978047 

3.9991396 

2.6090275 

12 

3.7890582 

5.0958858 

3.1323324 

55 

2.8731500 

3.9633101 

2.5946684 

13 

3.7687367 

5.0739123 

3.1178-29 

56 

2.8479756 

3.9265059 

2.5796876 

14 

3.7484034 

5.0518529 

3.1034176 

57 

2.8222193 

3.8886582 

2.5640062 

3 

3.7280585 

5.0297037 

3.0891802 

58 

2.7958199 

3.8496925 

2.5475526 

3.7076973 

5.0074595 

3.0750746 

59 

2.7687098 

3.8095282 

2.5302483 

\l 

3.6873240 

+.9S5116+ 

3.0611234 

00 

2.7408057 

3.7680782 

2. 5 1 19944 

3.6669388 

I.9626688 

3.0473302 

61 

2.7120220 

3.7252478 

2.4926934 

19 

3.6465367 

+.9401117 

3-0336793 

62 

2.6822616 

3.6809353 

2.4722351 

20 

3.6261177 

4.9174393 

3.0201735 

63 

2.6514212 

3.6350302 

2.4505068 

21 

3.6056816 

+.8946460 

3.0068167 

64 

2.6193907 

3.5874128 

2.4273903 

22 

3.5852232 

+.8717252 

2.9935925 

65 
66 

2.5860408 

3.5379524 

2.4027456 

23 

3.5647426 

+.8486704 

2.9805040 

2.5512205 

3.4865076 

2.3764061 

24 

3.5442392 

+.8254751 

2.9675540 

67 

2.5147782 

3.4329263 

2.3482136 

2 

3.5237126 

+.8021317 

2.9547450 

68 

2.4765426 

3.3770435 

2.3179875 

3.5031628 

+.7786317 

2.9420797 

69 

2.4363167 

3.3186805 

2.2855193 

2 

3.4825841 

4.7549674 

2.9295430 

70 

2.3939046 

3.2576452 

2.2506097 

3.4619763 

+.7311297 

2.9I7I375 

7i 

2.3490775 

3.1937292 

2.2130222 

29 

3.4413389 

+.7071092 

2.9048651 

72 

2.3016159 

3.1267080 

2.1725406 

30 

3.4206661 

4.6828950 

2.8927113 

73 

2.2513189 

3.0563354 

2.1289808 

3i 

3.3999576 

4.6584772 

2.8806783 

74 

2.1979894 

2.9823334 

2.0821708 

32 

3.3792124 

4.6338439 

2.8687682 

?i 

2.1414138 

2.9043802 

2.0319240 

33 

3.3584249 

4.6089827 

2.8569666 

2.0813309 

2.8220971 

1.9780029 

34 

3.3375888 

4.5838800 

2.8452591 

77 

2.0174238 

2.7350366 

1. 9201 103  ; 

ii 

3.3167032 

4.5585224 

2.8336478 

78 

1.9492607 

2.6426648 

1. 8578214  ! 

3.2957671 

4.5328943 

2.8221348 

78o 

1. 8763018 

2.5443520 

1.7905962 

P 

3.2747685 

4.5069793 

2.8106903 

1. 7979215 

2.4393555 

1.7178119  ' 

3.2537062 

4.4807602 

2.7993166 

81 

1.7131254 

2.3267863 

1. 63843 14 

39 

3.2325676 

4.4542183 

2.7879846 

82 

1. 6210922 

2.2056466 

1. 5516500  j 

40 

3.2113508 

4-4273335 

2.7766964 

83 

1.5208827 

2.0747123 

1.4565543 

4i 

3.1900429 

4.4000842 

2.7654244 

84 

1. 41 14966 

1.9324282 

1. 3521960 

42 

3.1686413 

4.3724474 

2.7541701 

s§ 

1. 291 3428 

1.7766S91 

1.2370131 

43 

3.1471325 

4.3443976 

2.7429067 

86 

1. 1576577 

1.6046526 

1.1081928 

44 

3.1255075 

4.31 59081 

2.7316218 

87 

1.0065092 

1. 4126763 

0.9617186 

45 

3.1037455 

4.2869491 

2.7202749 

88 

0.8326958 

1.1962271 

0.7922943 

46 

3.0818369 

4.2574895 

2.7088539 

89 

0.6307808 

0.94982*18 

0.5944820 

47 

3-0597531 

4.2274950 

2.6973055 

90 

0.3948829 

0.666091? 

0.3625145 

48 

3-0374765 

4.1969290 

2.6856042 

9i 

0.1 1 4608 1 

0.3330398 

0.0860679 

49 

3.0149762 

4.I657527 

2.6736974 

92 

9.7673866 

9.9299237 

9.7423960 

50 

2.9922133 

4.1339234 

2.661519+ 

93 

9-3135265 

9.4243547 

9.2914155 

51 

2.9691532 

4.1013971 

2.6490175 

94 

8.7210854 

8.7769843 

8.7016595  i 

52 

2.9457586 

4.0681257 

2.6361382 

95 

7.8589520 

7.8589520 

7.8419186 

Ann. 


Am.4% 


Of 

IyiFE;   Insurance. 

271 

Table  No. 

LXXXVIII. 

! 

VALUE    OF    AN    ANNUITY   OF   ONE 

DOLLAR    FIRST    PAY-  ! 

MENT  IMMEDIATE,  NET  SINGLE 

PREMIUMS  AND  NET 

ANNUAL    PREMIUMS    PER    $1000    WHOLE    LIFE 

INSURANCE 

AT    ALL    AGES,  AMERICAN 

EXPERIENCE,  FOUR  PER  CENT. 

\ 

Annuity  for 

Net  Single 

Net  Annual 

Annuity  for 

Net  Single 

Net  Annual: 

Whole  Life 

Premium 

Premium 

Whole  Life 

Premium 

Premium 

Age. 

First  Pay- 

for Whole 

for  Whole 

Age. 

First  Pay- 

for Whole 

for  Whole 

ment  Im- 

Life In- 

Life In- 

ment Im- 

Life In- 

Life In- 

mediate. 

surance. 

surance. 

mediate. 

surance. 

surance. 

10 

20.414 

214.854 

10.525 

55 

12.307 

526.646 

42.792 

II 

20.343 

217.588 

IO.696 

56 

II.982 

539-153 

44-997 

12 

20.269 

220.432 

IO.875 

57 

11-653 

551-807 

47-353 

,     x3 

20.I92 

223.391 

II.063 

58 

II. 321 

564.589 

49.872 

!     x4 

20.II2 

226.472 

II. 26l 

59 

IO.985 

577.483 

52.568 

!  it 

20.028 

229.679 

II.468 

60 

IO.648 

590.458 

55-452 

19.942 

233.OII 

II.685 

61 

IO.309 

603.492 

58.539 

j  3 

I9-85I 

236.483 

II  913 

62 

9.969 

616.557 

61.844  1 

19-757 

240.O99 

12.152 

63 

9.630 

629.631 

65.385 

i    19 

I9.660 

243.861 

12.404 

64 

9.290 

642.687 

69.180 

I      20 

I9-558 

247.774 

12.669 

65 

8.952 

655.699 

73.248 

21 

19-452 

251.846 

12.947 

66 

8.616 

668.629 

77.607 

22 

I9.342 

256.076 

13.239 

67 

8.282 

681.452 

82  279 

23 

I9.228 

260.472 

13-547 

68 

7.952 

694.137 

87.286  i 

24 

I9.IO9 

265.042 

13  870 

69 

7627 

706.647 

92.649 

2I 

18.985 

269.794 

14.211 

70 

7.307 

718.961 

98.393  i 

26 

18.857 

274.737 

I4.570 

71 

6-993 

731.046 

104.543  1 

s 

18.723 

279.872 

14.948 

72 

6.685 

742.891 

in. 130  j 

18.585 

285.208 

J5-346 

73 

6.383 

754  505 

118. 20S  ! 

29 

18.44O 

29O.754 

15.767 

74 

6.086 

765  9l6 

125.845  ! 

30 

18.291 

296.5.14 

16. 211 

75 

5-794 

777.159 

134-136 

3i 

18.135 

302.497 

16.680 

76 

5.505 

788.265 

143.188 

32 

17-973 

308.714 

17.176 

11 

5-219 

799-257 

153.135  1 

33 

17.806' 

315.168 

17.700 

4.936 

810.141 

164.119  j 

34 

17.632 

321  862 

18.255 

79 

4-656 

820.909 

176.296  i 

H 

17.451 

328.809 

18.842 

80 

4.38o 

83I-554 

189.870 1 

17.263 

336.022 

19.464 

81 

4.IO8 

841.988 

204.949 

37 

17.069 

343.496 

20.124 

82 

3.842 

852.232 

221.821 

38 

16.868 

35L245 

20.824 

83 

3.580 

862.326 

240.904 

39 

16.659 

359.267 

21.566 

84 

3.318 

872.367 

262.887 

40 

16.443 

367.575 

22.354 

85 

3.057 

882.409 

288.618 

4i 

I6.220 

376.168 

23.192 

86 

2-799 

892.349 

318.816  | 

42 

15.988 

385.060 

24.084 

11 

2.548 

902.006 

354-032 

43 

15.749 

394.252 

25.033 

2.3IO 

911. 168 

394.519 1 

44 

I5.502 

403.752 

26.044 

89 

2.085 

919.817 

441.222  ; 

8 

15.248 

413.551 

27.122 

90 

I.867 

928.179 

497.077 

14985 

423.659 

28.273 

9i 

I.654 

936.396 

566.277 

47 

14.714 

434.063 

29.499 

92 

1-454 

944.081 

649.340 

48 

14.436 

444.762 

30.809 

93 

1. 291 

950.362 

736.310 

49 

14.151 

455.744 

32.207 

94 

1. 137 

956.256 

840. 766 

50 

13.858 

466.988 

33.697 

95 

1. 000 

961.538 

961.538 

5i 

13.559 

478.481 

35.287 

52 

13-255 

49O.207 

36.984 

S3 

12.944 

502.154 

38.794 

54 

12.628 

5I4.308 

40.728 

Am.4% 


NetPrems 


272 

Principles 

AND 

Practice 

Table  No.  LXXXIX. 

NET  ANNUAL  PREMIUMS  PER  $1000,  AMERICAN 

EXPERIENCE,  FOUR 

PER  CENT. 

H 

Single 
Life. 

Whole 
Life. 

5 

.0 

IS 

20 

Endow- 

Endow- 

Endow- 

O 

Payment 

Payment 

Payment 
Life. 

Payment 

ment  5 

ment  IO 

ment  15 

< 

20 

Life. 

Life. 

Life. 

Years. 

Years. 

Years. 

247.77 

I2.67 

54-33 

3O.36 

22-53 

18.73 

l8o.8l 

84.07 

52.45 

21 

251.85 

12.95 

55.23 

30.87 

22.90 

I9.05 

180.83 

84.IO 

52.49 

22 

256.08 

13-24 

56.16 

31-39 

23.30 

19.38 

180.85 

84.13 

52.52 

23 

260.47 

13-55 

57.13 

31.94 

23-71 

19.72 

180.S8 

84.16 

52.56 

24 

265.04 

13.87 

58.14 

32.51 

24.14 

20.08 

180.9O 

84.19 

52.60 

s 

269.79 

14.21 

59-19 

33-IO 

24.58 

20.46 

180.93 

84.22 

52.65 

274-74 

14-57 

60.28 

33-72 

25.04 

20.85 

180.95 

84.26 

52.70 

3 

279.87 

14.95 

61.42 

34-36 

25-53 

21.26 

180.98 

8430 

52.75 

285.21 

15-35 

62.60 

35-03 

26.03 

21  68 

I8I.02 

84-35 

52.81 

29 

290.75 

15.77 

63.82 

35.72 

26.56 

22.13 

181.05 

84.40 

52.87 

30 

296.51 

16.21 

65.IO 

36.44 

27.IO 

22.59 

181.09 

84-45 

52.94 

31 

302.50 

16.68 

66.42 

37.20 

27.67 

23.08 

l8l. 13 

84.5I 

53-OI 

32 

308.71 

17.18 

67.80 

37.98 

28.26 

23.59 

I8I.I7 

84.57 

53-IO 

33 

315.17 

17.70 

69.24 

38.80 

28.88 

24.12 

I8I.22 

84.64 

53.19 

34 

321.86 

18.25 

70.72 

39-64 

29.53 

24.67 

l8l.27 

84.71 

53-29 

II 

328.81 

18.84 

72.27 

40.53 

30.20 

25.26 

181.33 

84.80 

53-40 

336.02 

19.46 

73-88 

41-45 

3O.9I 

25.87 

181.40 

84.89 

53-52 

$ 

343  50 

20.12 

75-54 

42.40 

3I-64 

26.51 

I8I.47 

84.99 

53-66 

35L24 

20.82 

77-28 

4340 

32.41 

27.18 

181.54 

85.IO 

53-81 

39 

359.27 

21-57 

79.07 

44-44 

33-21 

27.88 

181.63 

85.22 

53-99 

40 

367.57 

22.35 

80.93 

45-51 

34.05 

28.63 

l8l.72 

85.36 

54.18 

41 

376.17 

23.19 

82.86 

46.64 

34-93 

29.41 

181.82 

85.52 

54-40 

42 

385.06 

24.08 

84.87 

47.8i 

35-85 

30.24 

181.94 

85.69 

54-65 

43 

394.25 

25.03 

86  94 

49-03 

36.82 

31. 11 

182.07 

85.89 

54-93 

44 

403.75 

26.04 

89.10 

50.30 

37.83 

32.03 

182.22 

86.12 

55-24 

9 

413.55 

27.12 

9J-33 

5I-63 

38.90 

33-oo 

182.38 

86.37 

55.6o 

423.66 

28.27 

93-64 

53-oi 

40.02 

34.04 

182.57 

86.67 

56.01 

47 

•434o6 

29.50 

96.04 

54-46 

41.20 

35-14 

182.79 

87.00 

56.47 

48 

444.76 

30.81 

98.52 

55-97 

42.45 

36.30 

183.04 

87.38 

56.98 

49 

455.74 

32.21 

101.08 

57-54 

43-76 

37-55 

183.33 

87.80 

57.56 

50 

466.99 

33-70 

103.72 

59-!9 

45-14 

38.86 

183.65 

88.28 

58.20 

5i 

478.48 

35-29 

106.45 

60.90 

46.60 

40.27 

184.02 

88.82 

58.93 

52 

490.21 

36.98 

109.26 

62.69 

48.13 

41.76 

184.42 

89.42 

59-73 

53 

502.15 

38.79 

112. 15 

64.55 

49-75 

43-36 

184.88 

90.08 

60.62 

54 

514.31 

40.73 

115. 12 

66.49 

51-47 

45-o6 

185.38 

90.83 

61.61 

1? 

526.65 

42.79 

118. 18 

68.52 

53-29 

46.88 

185.95 

91.65 

62.72 

539-15 

45  00 

121.33 

70.65 

55-21 

48.84 

186.57 

92-57 

63.94 

57 

55i.8i 

47-35 

124.56 

72.87 

57  26 

50.93 

187.27 

93-59 

65-30 

58 

564.59 

49.87 

127.88 

75-20 

59-44 

53-17 

188.04 

94-73 

66.81 

59 

577.48 

52.57 

131.30 

77.64 

61.76 

55-59 

188.90 

95-99 

68.49 

60 

590.46 

55-45 

134.81 

80.22 

64.24 

58  18 

189.86 

97-39 

70.34 

61 

603.49 

58.54 

138.43 

82.93 

66.90 

60.97 

I9O.9I 

98.95 

72.39 

62 

616.56 

61.84 

142.15 

85.79 

69.74 

63-99 

I92.O9 

100.68 

74.66 

63 

629.63 

65.38 

145-98 

88.82 

72.79 

67.23 

193-39 

102.60 

77.15 

64 

642.69 

69.18 

149-93 

92.03 

76.07 

7o.74 

I94.83 

IQ4-73 

79.90 

£ 

655-70 

73-25 

15402 

95  44 

79-59 

74-54 

I96.44 

107.09 

82.92 

668.63 

77.61 

158.25 

99  06 

83.38 

78.64 

I98.2I 

109.69 

£ 

681.45 

82.28 

162.63 

102.91 

87.46 

83.07 

2O0.I8 

112.56 

694.14 

8729 

167.17 

107.01 

91.86 

87.86 

202.36 

115.70 

69 

706.65 

92.65 

171.87 

iu-37 

96.62 

9305 

204. 76 

119  J5 

70 

718.96 

98.39 

176.76 

116.02 

101.75 

98.64 

207.39 

122.91 

NetPrems. 


Am.4% 


Of   Lifk   Insurance. 


'273 


Table  No.  LXXXIX.— Concluded 

j 

NET  ANNUAL  PREMIUMS  PER  $1000,  AMERICAN 

EXPERIENCE, 

FOUR  PER  CENT. 

Endow- 

Endow- 

Endow- 

Endow- 

Endow-; 

K 
< 

Endow- 
ment  SO 
Years. 

Endow- 
ment 25 
Years. 

Endow- 
ment 30 
Years. 

Endow- 
ment 35 
Years. 

ment  in 

15  years 

by  IO 

Pay- 

ment in 

ZO  years 

bv  IO 

Pay- 

ment in 

25  years 

by  IO 

Pay- 

ment in 

30  years 

by  IO 

Pay- 

ment in 
•*5yearsi 
by  IO 

Pay-    j 

20 

ments. 

ments. 

ments. 
51-94 

ments. 

ments.  ! 

37.12 

28.30 

22.74 

19.06 

70.69 

60.18 

45-53 

40.60  j 

21 

37.16 

28.35 

22.81 

I9.I5 

70.73 

60.23 

52.0I 

45-63 

40.73| 

22 

37.21 

28.4I 

22.88 

I9.24 

70.77 

60.28 

52.08 

45-73 

40.87| 

23 

37.26 

28.47 

22.96 

19-34 

70.81 

60.33 

52.16 

45.83 

4i-"3! 

24 

37.31 

28.54 

23.04 

19-45 

70.85 

60.39 

52.24 

45-95 

41.20  j 

25 

37.36 

28.61 

23.14 

19.58 

70.9O 

60.46 

52.33 

46.08 

41.38 

26 

37-43 

28.69 

23.24 

19.71 

70.95 

60.53 

52.43 

46.23 

41.59 

27 

37-49 

28.78 

23.36 

19.87 

7I.OO 

60.60 

52.54 

46.39 

41.81 

28 

37-57 

28.87 

23-49 

20.03 

71.06 

60.68 

52.66 

46.56 

42.06 

29 

37.65 

28.98 

23.63 

20.22 

71.12 

60.77 

52.79 

46.75 

42.34 

30 

37-74 

29.IO 

23.78 

20.43 

71.19 

60.87 

52.94 

46.96 

42.64  ] 

3i 

37.84 

29.23 

23.96 

20.66 

71.27 

60.98 

53-IO 

47-20 

42.97  i 

32 

37-94 

29-37 

24-15 

20.91 

7i  35 

61. IO 

53-27 

47.46 

43  34 

33 

38.07 

29-54 

24-37 

21.20 

71.44 

61.23 

53-47 

47-75 

43-74! 

34 

38.20 

29.72 

24.61 

21.51 

71.54 

61.38 

53-69 

48.07 

44.18; 

n 

38.35 

29.92 

24.88 

21.86 

71-65 

61.54 

53-93 

48.42 

44.67  \ 

38.52 

30.15 

25.18 

22.24 

71-77 

61.72 

54-20 

48.81 

45-20  ; 

37 

38.71 

30.40 

25-52 

22.67 

71.91 

61.92 

54-50 

49.24 

45.78; 

3» 

38.92 

30.69 

25.89 

23.14 

72.06 

62.15 

54.83 

49-71 

46.42  | 

39 

39.16 

3I.OI 

26.31 

23.66 

72.23 

62.4O 

55  20 

50.24 

47.11  | 

40 

39-42 

31.36 

26.77 

24.23 

72.42 

62.68 

55-62 

5081 

47.86J 

4i 

39.72 

31.76 

27.28 

24.87 

72.63 

62.99 

56.07 

51-45 

48.68  1 

42 

40.06 

32.21 

27.85 

25-56 

72.87 

63.34 

56.58 

52.14 

49-57 

43 

40.44 

32.70 

28.48 

26.32 

73.14 

63.73 

57.15 

52.91 

5^-52  i 

44 

40.87 

33-26 

29.18 

27.15 

73-44 

64.18 

57-77 

53-74 

51.55 

45 

41-35 

33-88 

29.96 

28.07 

73-79 

64.67 

58.47 

54-66 

52.66 

46 

41.89 

34.58 

30.81 

74.18 

65.23 

59-24 

55-66 

47 

42.49 

35-35 

3I-76 

74-63 

65.85 

60.09 

56.74 

48 

43-17 

36.21 

32.80 

75-13 

66.55 

61.02 

57.92 

49 

43.92 

37.16 

33-94 

75.69 

67.32 

62  05 

59.19 

50 

44.76 

38.22 

35-iS 

76.32 

68.17 

63.17 

60.55 

5i 

45.7o 

39-38 

77.01 

69.II 

64  39 

52 

4673 

40.66 

77-79 

70.I5 

6571 

53 

47.88 

42.06 

78.65 

71.29 

67-I5 

54 

49  l6 

43.61 

79.60 

72.53 

68.70 

55 

50.56 

45.30 

80.65 

73-90 

7o.37 

56 

52.12 

81.82 

75-40 

U 

53.83 

83.11 

77.02 

55-72 

84.53 

78.80 

59 

57-79 

86.10 

80.73 

60 

60.07 

8783 

82.83 

61 

89.74 

62 

91.83 

63 

94-13 

64 

96.66 

65 

99-43 

OF  THE 
l  1  fci  imc  r»o  i-r\s 


AmA% 


S.P.End 


.274 

Principles  and   Practice 

Table  No.  XC. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 

In  1 

In  2 

In  3 

In  4 

In  5            In  6 

In  7 

In  8 

Year. 

Years. 

Years. 

Years. 

Years.        Years. 

Years. 

Years. 

20 

961.54 

924.84 

889.84 

856.45 

824.59 

794.21 

765.23 

737.60 

1  21 

961.54 

924.85 

889.84 

856.46 

824.61 

794.24 

765.27 

737.64 

22 

961.54 

924.85 

889.85 

856.47 

824.63 

794.26 

765.30 

737.69 

23 

961.54 

924.85 

889.86 

856.48 

824.65 

794.29 

765.34 

737-74 

24 

961.54 

924.85 

889.86 

856.49 

824.67 

794.32 

765.38 

737.79 

u 

961.54 

924.85 

889.87 

856.50 

824.69 

794-35 

765.42 

737.85 

961.54 

924.86 

889.87 

856.52 

824.71 

794.38 

765.47 

737.91 

% 

961.54 

924.86 

889.88 

856.53 

824.73 

794.42 

765.52 

737.98 

961.54 

924.86 

889.89 

856.55 

824.76 

794.46 

765.57 

738.05 

29 

961.54 

924  86 

889.90 

856.56 

824.79 

794.50 

765.63 

738.12 

30 

961.54 

924.87 

889.91 

856.58 

824.82 

794-54 

765.69 

738.21 

31 

961.54 

924.87 

889.92 

856.60 

824.85 

794-59 

765.76 

738.30 

32 

961.54 

924.87 

889.93 

856.62 

824.88 

794.65 

765.84 

738.40 

i  33 

961.54 

924.88 

889.94 

856.65 

824.92 

794.70 

765.92 

738.50 

34 

961.54 

924.88 

889.95 

856.67 

824.96 

794.76 

766.OO 

738.62 

3 

961.54 

924.89 

889.97 

856.70 

825.OI 

794.83 

766.IO 

738.75 

961.54 

924.89 

889  98 

856.73 

825  .06 

794-  9 « 

766.21 

738.89 

P 

01  54 

924.90 

89O  OO 

856.76 

825.12 

794-99 

766.33 

739-05 

961.54 

924.90 

89O.02 

856.80 

825.18 

795.09 

766.46 

739-23 

39 

961  54 

924.91 

89O.04 

856.84 

825.25 

795.19 

766.60 

739.41 

40 

961.54 

924.92 

89O.06 

856.88 

825.32 

795.30 

766.76 

739-63 

4i 

961.54 

924.93 

89O.08 

856.93 

825.40 

795.42 

766.93 

739-86 

42 

961.54 

924.94 

89O.II 

-856.99 

825.49 

795.56 

767.13 

740.13 

43 

961.54 

924.94 

89O.I4 

857.05 

825.60 

795.72 

767.35 

740.42 

44 

961.54 

924.96 

89O.I7 

857.12 

825.71 

795.89 

767.60 

740.76 

9 

961.54 

924.97 

89O.21 

857.19 

825.84 

796.09 

767.88 

741.15 

961.54 

924.98 

89O.26 

857.28 

825.99 

796.32 

768.20 

74L59 

47 

961.54 

925.00 

89O.31 

857.38 

826.16 

796.58 

768.58 

742.09 

48 

961.54 

925.02 

890.36 

857.50 

826.36 

796.88 

769.OO 

742.65 

49 

961.54 

925-04 

89O.43 

857.63 

826.58 

797.22 

769.47 

743-29 

So 

961.54 

925-07 

890  51 

857.79 

826.84 

797.60 

770.01 

744-00 

5i 

961.54 

925.09 

89O.59 

857.96 

827.12 

798.02 

770.60 

744.80 

52 

961.54 

92512 

89O.68 

858.14 

827.44 

798.50 

77L27 

745-68 

53 

961.54 

925.16 

890.79 

858.35 

827.79 

799.02 

772.00 

746.66 

54 

961.54 

925.20 

89O.9I 

858.59 

828.18 

799.60 

772.81 

747-74 

55 

961.54 

925.24 

89I.04 

858.85 

828.61 

800.25 

773.71 

748.93 

56 

961.54 

925.29 

89I.18 

859.14 

829.09 

800.96 

774.70 

750.24 

57 

961.54 

925.34 

89I.34 

859.46 

829.61 

801.75 

775-79 

751.68  1 

58 

961.54 

925.40 

891.52 

859.80 

83O.I9 

802.61 

776.99 

753-26 

59 

961.54 

925.47 

89I.72 

860.20 

830.84 

803.57 

778.31 

755-00 

60 

961.54 

925.54 

89I.93 

860.62 

831.54 

804.61 

779.76 

756.90 

61 

961.54 

925.62 

892.17 

86l. TO 

832.32 

805.76 

781.34 

758.97 

62 

961.54 

925.71 

892.43 

861.62 

833.17 

807.02 

783.07 

761.24 

63 

961.54 

925.81 

892.73 

862.I9 

834." 

808.40 

784.96 

763.70 

64 

961.54 

.925.92 

893-05 

862.82 

835.I4 

809.90 

787.02 

766.38 

65 

961.54 

926.04 

893.40 

863.51 

836.26 

811.55 

789.26 

769.28 

66 

961.54 

926.17 

893.79 

864.27 

837.49 

8i3.34 

79I.7O 

772.42 

66I 

961.54 

926.32 

894.21 

865.IO 

838.83 

815.29 

794.32 

775.78 

961.54 

926.48 

894.68 

866.OO 

840.29 

817.40 

797.14 

779.36 

69 

961.54 

926.66 

895.19 

866.99 

841.87 

819.65 

80O.I5 

783.16 

70 

961.54 

926.85 

895.75 

868.05 

843.56 

822.05 

803.32 

787.16 

S.P.End. 


Am.4% 


Op  Life  Insurance. 

275 

Table  No.  XC. — Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 

In  9 

In  IO 

In  11 

In  12 

In  13 

In  14 

In  15 

In  16 

Years. 

Yeais 

Years. 

Years. 

\  ears. 

Yeais. 

Years. 

Years. 

20 

711.24 

686.11 

662.14 

639.29 

617.51 

596.74 

576.95 

558.09 

21 

7II.30 

686.18 

662.23 

639.40 

617.63 

596.88 

577-11 

558.27 

22 

7H.36 

686.25 

662.32 

639.50 

617.76 

597.03 

577.28 

558.46 

23 

711.42 

686.33 

662.4I 

639.62 

617.89 

597-19 

577.46 

558.67 

24 

711.49 

686.42 

662.52 

639-74 

618.03 

597-36 

577.65 

558.89 

2§ 

711.56 

686.51 

662.63 

639.87 

618.I9 

597-54 

577.86 

559.15 

26 

7H.64 

686.60 

662.75 

64O.O2 

618.36 

597-73 

578.09 

559-39  ! 

27 

711.72 

686.71 

662.88 

640.17 

618.54 

597-95 

578.34 

559-67 

28 

711.82 

686.82 

663.OI 

64O.33 

618.74 

598-18 

578.60 

559-97 

29 

711.92 

686.95 

663.16 

64O.5I 

618.95 

598.42 

578.89 

560.30 

30 

7I2.02 

687.08 

663.33 

64O.7I 

619.18 

598.70 

579.20 

560.66 

31 

712.14 

687  22 

663.50 

640.92 

619.44 

598.99 

579-55 

561.06 

32 

712.27 

687.39 

663.70 

641.16 

619.72 

599-32 

579-93 

561.49 

33 

712.40 

687.56 

663.9I 

641.42 

620.02 

599-68 

580.34 

561.97 

34 

712.56 

687.75 

664.15 

641.70 

620.35 

600.07 

580.80 

562.50 

9 

712.72 

687.96 

664.40 

642.OI 

620.72 

600.50 

581.30 

563.08 

712.91 

6S8.19 

664.69 

64235 

62I.I3 

600.98 

581.86 

563.73 

% 

713.H 

688.44 

665.OO 

642.73 

621.58 

601.52 

582.49 

564.46 

713.33 

688.73 

665.35 

643.15 

622.09 

602.11 

583.19 

565.27 

39 

713.58 

689.04 

665.73 

643.62 

622.65 

602.78 

583-96 

566.17 

40 

7I3.86 

689.38 

666.17 

644.15 

623.22 

603.52 

584.84 

5^7.19 

4i 

7I4.I6 

689.77 

666.64 

644.73 

623.98 

604.36 

585.82 

568.32 

42 

7I4.50 

690.21 

667.I9 

645.39 

624.*78 

605.30 

586.92 

569.59 

43 

714.89 

690. 70 

667.80 

646.14 

625.67 

606.36 

588.16 

571.03 

44 

715-34 

691.26 

668.50 

646.99 

626.69 

607.56 

589.55 

572.64 

4§ 

715.84 

691.90 

669.28 

647.94 

627.83 

608.90 

591.12 

574-44 

46 

716.41 

692.62 

67O.18 

649.02 

629.11 

6T0.41 

592.87 

576.46 

% 

717.06 

693.44 

671.18 

65O.23 

630.56 

612.10 

594-83 

578.71 

717.79 

694.36 

672.31 

651.60 

632.17 

614.00 

597-02 

581.21 

49 

7l8.6l 

695.39 

673.58 

653.12 

633-98 

616.10 

599-45 

583.98 

50 

719-53 

696.54 

674.99 

654-81 

635.97 

618.42 

602.12 

587.03 

5i 

720.56 

697.82 

676.55 

656.68 

638.17 

620.99 

605.07 

590.37 

52 

721.69 

699.23 

678.27 

658.74 

640.60 

623.80 

608.29 

594.04 

53 

722.94 

7O0.79 

680.17 

66I.OI 

643.26 

626.88 

611.82 

598.03  j 

54 

724.32 

702.51 

682.26 

663.49 

646.18 

630.26 

615.68 

602.38  | 

55 

725.85 

704.40 

684.55 

666.22 

649.37 

633-94 

619.87 

607.11  j 

56 

727.52 

706.48 

687.06 

669.20 

652.84 

637.94 

624.42 

612.23  1 

57 

729.35 

708.75 

689.80 

672.44 

656.63 

642.28 

629.34 

617.75 

58 

731.36 

711.23 

692  79 

675.98 

660. 74 

646.99 

634.66 

623.68 

59 

733-57 

713.94 

696.05 

679.82 

665.19 

652.07 

640.38 

630.05 

60 

735-97 

716.89 

699.59 

683.98 

669.99 

657.53 

646.51 

636.84 

61 

738.59 

720.10 

703.42 

688.48 

675  16 

663.39 

653.05 

644.05 

62 

741-44 

723.58 

707.57 

693-31 

680. 70 

669.63 

659.99 

651.67  ; 

P 

744-53 

727.34 

712.03 

698.49 

686.61 

676.26 

667.32 

659.69  ! 

64 

747-88 

73L40 

716.82 

704.02 

692.88 

683.27 

675.05 

668.10 

51 

75L49 

735-75 

721.93 

709.90 

699.52 

690.64 

683.14 

676.87 

66 

755.36 

740.39 

727.36 

716.11 

706.49 

698.36  ' 

691.57 

685.99 

ii 

759-50 

745.32 

733.08 

722.62 

713.78 

706.40 

700.33 

695.41 

763.88 

750.52 

73Q.10 

729.44 

721  38 

714.75 

709.38 

705.I2 

69 

768.50 

755-97 

745.38 

736.54 

729.26 

723.38 

718.70 

715.07 

1 70 

773-34 

761.67 

75i. 91 

743.89 

737.40 

732.25 

728.25 

Am.4* 


S.P.End 


276 

Principles  and   Practice 

Table  No.  XC— Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

In  17 

In  18 

In  19 

In  20 

In  21 

In  22 

In  23 

In  21 

Age. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

540.II 

522.99 

506.67 

491.13 

476.33 

462.24 

448.83 

436.06 

21 

540.32 

523.22 

506.93 

491.41 

476.64 

462.58 

449- 20 

436.47 

22 

540.54 

523.46 

507.20 

491.72 

476.98 

462.95 

449.61 

436.91 

23 

540.77 

523.72 

507.49 

492.04 

477.34 

463.35 

450.04 

437-39 

24 

54102 

524.OO 

507.81 

492.39 

477-73 

463-78 

450.52 

437-91 

2 

541-31 

524-33 

508.15 

492.77 

478.15 

464.24 

451.03 

438.47 

54L58 

524.64 

508.52 

493.19 

478.61 

464-75 

451.59 

439-09 

2 

541.90 

525.OO 

508.92 

493-64 

479.II 

465-3I 

452.20 

439-77 

542.25 

525-39 

509.36 

494.13 

479-65 

465.91 

452.87 

440.51 

29 

542.02 

525.82 

509.84 

494.66 

480.26 

466.58 

453.62 

44L33 

30 

543.03 

526.28 

510.36 

495.25 

480.91 

467.31 

454.43 

442.23 

31 

543-49 

526.79 

5IO.94 

495-9° 

481.64 

468.12 

455.33 

443.22 

32 

543.98 

52736 

5".58 

496.62 

482.44 

469.02 

456.33 

444-33 

33 

544.53 

527.98 

512.29 

497.41 

483.33 

470.02 

457-44 

445.56 

34 

545.14 

528.67 

5I3-07 

498.29 

484.32 

471.12 

458.66 

446.92 

35 

545.80 

529-43 

513-93 

499.27 

485.42 

472.35 

460.03 

448.44 

36 

546.55 

530.29 

514.90 

500.37 

486.65 

473-73 

461.56 

450.14 

11 

547-39 

53L24 

515.99 

501.59 

488.02 

475.26 

463.26 

452.01 

548.32 

532.31 

5I7.20 

502.95 

489.55 

476.96 

465.16 

454-11 

39 

549-36 

533.49 

518.54 

504.47 

491.26 

478.86 

467.26 

456.43 

40 

550.53 

534.83 

520.05 

506.17 

493.16 

480.97 

469.60 

459.00 

4i 

551.83 

536.31 

521.73 

508.06 

495-27. 

483-32 

472.20 

461.86 

42 

553.29 

537.98 

523.62 

510.18 

497.63 

485-94 

475.o8 

465.02 

43 

554-94 

539-85 

52572 

512.54 

500.25 

488.84 

478.27 

468.52 

44 

556.78 

541-93 

528.07 

5I5.I6 

503-I7 

492.06 

481.81 

472-39 

45 

558.84 

544-26 

530  69 

51808 

506.40 

495.63 

485.72 

476.64 

46 

561.13 

546.86 

533-60 

521.31 

509.98 

499.56 

490.01 

481.31 

8 

56369 

549-73 

536  81 

524.89 

5I3-92 

503.88 

494.73 

486.42 

566.52 

552.92 

540.37 

528.82 

51825     508.62 

499.88 

492.00 

49 

569-65 

556.43 

544.27 

533-14 

522.99 

513-79 

505.49 

498.05 

50 

573.09 

560.28 

548.55 

537-86 

528.16 

519.41 

511.57 

504- 59' 

51 

576.86 

564-49 

553-21 

542.99 

533.76 

525.49 

518.13 

511.61 

52 

580.98 

569.08 

558.28 

548.55 

539-82 

532.0^5 

525.17 

51914 

53 

585.46 

574.06 

563.78 

554.56 

546.35 

539-09 

532.71 

527.16 

54 

590.33 

579.46 

569-71 

561.03 

553.36 

546.62 

540.75 

535-68 

p 

595-6o 

585.29 

576.10 

567.97 

560.84 

554.63 

549-27 

544-68 

601.29 

59L56 

582.95 

575-39 

568.81 

563.12 

558.27 

554.16 

12 

607.41 

593.28 

590.26 

583-27 

577-24 

572.09 

567.73 

564.10 

613.97 

605.45 

598.03 

591.62 

586.14 

58I.5I 

577.65 

574-47 

59 

620.97 

613.07 

606.25 

600.42 

595.50 

59L38 

588.00 

585.26 

60 

628.41 

621.14 

614.92 

609.67 

605,28 

601.67 

598.75 

596.44 

61 

636.27 

629.63 

624.02 

619-33 

615.48 

612.36 

609.88 

607  96 

62 

644-55 

638.54 

633.52 

629.39 

626.05 

623.40 

621.34 

63 

653.23 

647.84 

643.41 

639.82 

636.98 

634.76 

64 

662.29 

657.52 

653.66 

650.59 

648.21 

3 

671.72 

667.55 

664.24 

661.66 

681.47 

677.88 

675.09 

% 

691.51 

701.81 

688.48 

S.P.End. 


AmA% 


Of  Life   Insurance. 

277 

Table  XC— 

Continued. 

SINGLE  PREMIUMS  PER  $1000 

ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 

In  25 

In  26 

In  27 

In  28 

In  29 

In  30 

In  31 

In  32 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

423.91 

412.36 

401.38 

390.94 

381.02 

37I.6I 

362.67 

354- 20  : 

21 

424-36 

412.85 

401.91 

391.51 

381.64 

372.28 

363.40 

354.98 

22 

424.85 

4I3-38 

402.48 

392.13 

382.32 

373-OI 

364.I9 

355.83  i 

23 

425-37 

413.95 

403.IO 

392.81 

383-05 

373.8o 

365.04 

356.76 

24 

425.94 

414.57 

403.78 

393-54 

383.85 

374.67 

365.99 

357.79  i 

25 

426.55 

415.24 

404.52 

394-35 

384.73 

375.63 

367.03 

358.91  i 

26 

427.23 

415.99 

405.33 

395-24 

385.70 

376.68 

368.17 

360.16  1 

3 

427.98 

416.80 

406.22 

396.22 

386.76 

377.84 

369.44 

361.52  1 

428.79 

417.70 

407.21 

397-29 

387.94 

379.12 

370.83 

363.03  1 

29 

429.69 

418.69 

408.30 

398.49 

389.24 

380.54 

372.37 

364.70 

30 

430.69 

419.79 

409.50 

399.80 

390.68 

382.11 

374.07 

366.55  i 

31 

43L79 

42I.OO 

410.83 

401.26 

392.27 

383.84 

375-95 

368.58  ! 

32 

433 .0* 

422.35 

412.31 

402.88 

394.03 

385.76 

378.03 

370.83  ! 

33 

434-37 

423.84 

413-95 

404.67 

395-99 

387.88 

380.33 

373  32  ! 

34 

435-88 

425.50 

415.77 

406.66 

398.15 

390.23 

382.87 

376.05  I 

1 

35 

437-55 

427.34 

417.79 

408.86 

400.55 

392.82 

385.67 

379-07 

36 

439.42 

429.39 

420  02 

4II-30 

403.20 

395.69 

388.77 

382.40 

37 

441.49 

431.66 

422.50 

414.OO 

406.12 

398.85 

392.17 

386.05  ! 

38 

443-79 

434.18 

425.25 

416.98 

409.35 

402.34 

395-91 

390  06 

39 

446.34 

436.96 

428.28 

420.27 

412.91 

406.16 

400.02 

394  44  ; 

1 

40 

449.16 

440.05 

431.64 

423.9O 

416.82 

410.36 

404.5I 

399-23  i 

4i 

452.29 

443-45 

435-33 

427.89 

421. II 

414.96 

409.41 

404.44  l 

42 

455.74 

447.21 

439-39 

432.27 

425.81 

419.98 

414.76 

410.10 

43 

459-56 

45L34 

443-86 

437-07 

430.95 

425.46 

420.57 

416.24 

44 

463.76 

455.89 

448.75 

442.32 

436.55 

43L4I 

426.87 

422.88 

45 

468.37 

460.87 

454-IO 

448.04 

442.63 

437.85 

433-66 

! 
430.01  ! 

46 

473-42 

466.31 

459-93 

454-24 

449-22 

444.81 

440.97 

437.65 

47 

478.94 

472.22 

466.24 

460.96 

456.31 

452.27 

448.78 

445.8o 

48 

484-93 

478.64 

473.07 

468.18 

463.93 

460.26 

457-12 

454.46 

49 

491.42 

485.56 

480.41 

475-93 

472.06 

468.76 

465.96 

463.63 

50 

498.41 

492.98 

488.26 

484.19 

480. 70 

477.76 

475-30 

473.27 

5i 

505.89 

500.91 

496.62 

492.94 

489.84 

487.24 

485.II 

483.38 

52 

513.88 

509.34 

505.47 

502.19 

499-45 

497.20 

495.38 

493-94 

53 

522.37 

518.27 

514-81 

511.92 

509.54 

507-62 

506.09 

504.91 

54 

53L35 

527.69 

524.64 

522.12 

520.09 

518.47 

517.22 

55 

540.81 

537-58 

534.91 

532.76 

53L05 

529.72 

56 

550.74 

547.92 

545-63 

543.82 

542.42 

U 

561. 11 

558.69 

556.76 

555.27 

57L90 

569.86 

568.27 

59 

583.09 

581.40 

60 

594.63 

Am.4* 


S.P.End 


278 

Principles  and   Practice 

Table  No.  XC— Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT 

INSURANCE, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 
20 

In  33 

In  34 

In  35 

In  36 

In  37 

In  38 

In  39 

In  40 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

346.17 

338.57 

33L38 

324-58 

318.17 

312.13 

306.45 

30I. II 

21 

347-OI 

339-48 

332.36 

325-64 

3I9.30 

313-34 

307.75 

302.50 

22 

347-93 

340.47 

333-43 

326.79 

320.54 

3I4.67 

309.17 

304.02 

23 

348.94 

341.56 

334-60 

328.05 

321.9O 

316.13 

310.73 

305.69 

24 

350.05 

342.75 

335.89 

329-44 

323.39 

317.73 

312.45 

307.52 

3 

351.27 

344.07 

337.31 

33097 

325.03 

319.49 

314-33 

309.54 

352.61 

345.52 

338.87 

332.65 

326.84 

32C43 

3I6.4I 

311.75 

% 

354.09 

347.12 

340.60 

334-51 

328.83 

323.56 

318.68 

314.18 

355.72 

348.88 

342.50 

336.55 

331.02 

325.90 

32I.I8 

316.84 

29 

357-53 

350.83 

344-59 

338.80 

333-43 

328.48 

323.92 

3I9.75 

30 

359-52 

352.98 

346.90 

34L27 

336.08 

33L30 

326.92 

322.94 

31 

361.72 

355.34 

349-44 

343-99 

338.98 

334-39 

330.2I 

326.42 

32 

364-15 

357-95 

352.24 

346.98 

342.17 

337.78 

333.81 

330.22 

33 

366.82 

360.83 

355.31 

350.27 

345.66 

34L49 

337-73 

334-35 

34 

369.76 

363.98 

358.68 

353-86 

349-48 

345-53 

341-99 

338.84 

it 

373.oo 

367.45 

362.38 

357-79 

353-64 

349-93 

346.62 

343.69 

376.57 

37L25 

366.43 

362.08 

358.18 

354-71 

351.64 

348.94 

11 

380.47 

375-41 

370.85 

366.75 

363.11 

359.88 

357.06 

354-59 

384.75 

379-95 

375-66 

371.83 

368.45 

365.48 

362.90 

360.66 

39 

389.41 

384.90 

380.88 

377-33 

374-21 

371.50 

369.15 

367.15 

40 

394-49 

390.27 

386.54 

383.27 

380.42 

377.96 

375.85 

374.08 

4i 

400.01 

396.09 

392.65 

389.66 

387.07 

384.86 

383.OO 

381.44 

42 

405.99 

402.38 

399- 23 

396.52 

394- 20 

392.23 

39O.60 

389.25 

43 

412.45 

409.14 

400.29 

403.85 

401.79 

400.07 

398.65 

397.51 

44 

419.40 

416.40 

413.84 

411.67 

409.87 

408.38 

407.17 

406.22 

8 

426.85 

424  16 

421.88 

419.98 

418.41 

417.15 

416.14 

415.36 

434.82 

432.42 

430.42 

428.77 

427.44 

426.39 

425.56 

47 

443.28 

441.18 

439-44 

438.04 

436.93 

436.07 

48 

452.25 

450  43 

448.95 

447.78 

446.87 

49 

461.71 

460.16 

458.92 

457-97 

50 

47164 

470  34 

469.33 

5i 

482  01 

480.95 

52 

492  81 

S.P.End. 


Am.4% 


Of  Life   Insurance. 


279 


Table  No.  XC— Concluded. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 


Age 


20 
21 
22 

23 

24 

25 
20 
27 
28 
29 

30 
31 
32 

33 
34 

35 
3° 
37 
3« 
39 

40 

4i 
42 

43 

44 


In  41 
Years. 


296.IO 
297.58 
299.21 
3OO.99 
302.96 

305.IO 

307.45 
3IO.O3 

312.86 
315-95 

319-32 
323.00 
327.00 
33L35 
336.05 

341.12 
346.60 
352.47 
358.76 
365.46 

372.59 
380.15 

388.16 
396.60 
405.47 


In  42 
Years. 


291.41 
293.OO 

294.73 
296.63 
298.72 

30I.00 
303-50 
306.24 
309.23 

3I2-5o 

316.06 

319.93 
324.14 
328.69 
333.60 

338.88 

344-57 
350.65 

359-14 
364.04 

37L37 
379- I2 
387.29 
395.89 


In  43 

Years. 


287.03 

288.72 

290.57 
292.59 
294.81 

297.23 
299.89 
302.78 
305.96 
309.39 

313.14 
3I7.20 
32I.60 
326.35 
331-47 

336.96 

342.84 

349- J 1 

355.8o 
362.88 

370.38 
378.29 
386.62 


In  44 
Years. 


282.96 

284.75 
286.72 
288.86 
29I.2I 

293:78 
296.59 
299.65 
302.98 
306.60 

310.53 
3I4.78 
3I9.38 
324.32 
329.63 

335.31 
341-37 
347.83 
354.69 
361.94 

369.60 

377.65 


In  45 
Years, 


279.17 
281.08 
283.16 

285.44 
287.92 

290.64 
293.60 
296.82 
300.32 
304.I2 

308.23 
312.66 

317-43 
322.57 
328.05 

333.91 
340.I5 
346.78 
353-79 
36I.I9 

368.99 


In  46 
Years. 


275.66 
277.68 
279.89 
282.30 
284.92 

287.78 
290.90 
294.28 

297.95 
301.92 

306.2I 
310.82 

315.75 
32I.07 
326.72 

332.75 
339-15 
345.92 
353.08 
360.61 


In  47 
Years. 


272.42 
274.56 
276.90 
279.44 
282.20 

285.21 
288.48 
292.03 
295.86 
30O.O9 

304.45 
309.22 

314.34 
3I9.80 
325.6I 

33L79 
338.33 
345.24 
352.53 


In  48 
Years. 


269.45 
271.71 
274.17 
276.84 
279-73 

282.90 
286.33 
290.03 
294.02 

298.32 

302.93 
307.86 
313.13 
318.74 
324.70 

33I-OI 
337.69 
344-72 


Am.4* 


O.L 


280 

Principles   ane 

>   Practice. 

Table  No.  XCI. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4  th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5.41 

II.04 

16.88 

22.96 

29.27 

35.84 

42.67 

49-76 

21 

5.65 

".53 

17.64 

23-99 

30.60 

37.46 

44  59 

52.00 

22 

5-91 

12.05 

18.44 

25.08 

31-99 

39.16 

46.61 

54.36 

23 

6.18 

12.60 

I9.29 

26.23 

33-45 

40.95 

48.74 

56.83 

24 

6.46 

13-19 

20.I8 

27.44 

34.98 

42.82 

50.96 

59-42 

11 

•   6.77 

13.80 

21. II 

28.71 

36.59 

4479 

53-30 

62.14 

7.08 

14.44 

22.08 

30.03 

38.27 

46.85 

55-75 

64.98 

% 

7.41 

I5-II 

23.II 

31.42 

40.05 

49.OI 

58.31 

67.96 

7.76 

15.82 

24.I9 

32.88 

41.91 

51.28 

61.00 

71.09 

29 

8.12 

16.56 

25.32 

34.42 

43-86 

53-66 

63.82 

74.36 

30 

8.50 

17-34 

26.52 

36.03 

45-91 

56.16 

66.78 

77.8o 

31 

8.91 

18.17 

27.76 

37-72 

48.06 

58.78 

69.89 

81.39 

32 

9-34 

19.02 

29.O7 

39-50 

50.32 

61.52 

73-13 

85.15 

33 

9.78 

19.92 

30.45 

41-37 

52.68 

64.39 

76.53 

89.07 

34 

10.24 

20.88 

3I.90 

43-33 

55-16 

67.41 

80.08 

93.19 

9 

IO-75 

21.88 

33-43 

45.38. 

57.76 

70.56 

83.81 

97-50 

11.26 

22.93 

35-OI 

47-52 

60.46 

73-86 

87.70 

102.01 

11 

11.80 

24.02 

36.68 

49-77 

63-3I 

77.31 

91.78 

106.71 

12.36 

25.17 

38.42 

52.12 

66.29 

80.93 

96.04 

in. 62 

39 

12.97 

26.38 

4O.26 

54-6o 

69.43 

84.72 

100.50 

116.73 

40 

13-59 

27-65 

42.18 

57.20 

72.70 

88.68 

105.13 

122.05 

4* 

14-25 

28;99 

44.22 

59-92 

76.13 

92.80 

109.96 

127.56 

42 

14-95 

30.40 

46.33 

62.77 

79.69 

97.09 

114.94 

133.23 

43 

15.68 

31.86 

48.55 

65.72 

83.38 

101.51 

120.08 

139.05 

44 

16.43 

33.39 

50.84 

68.78 

87.20 

106.06 

125.33 

145-00 

? 

17.24 

34.98 

53-22 

71-95 

91.12 

110.72 

130.71 

151.08 

18.05 

36.61 

55-67 

75.18 

95-12 

115.47 

136.19 

157.28 

48 

18.91 

38.31 

58.18 

78.49 

99.21 

120.32 

141.79 

163.59 

19.78 

40.03 

60.73 

81.85 

103.36 

125.25 

147.47 

170.00 

49 

20.66 

41.78 

63.32 

85.27 

107.60 

130.27 

153.25 

176.50 

So 

21.56 

43.56 

65.98 

88.78 

in. 92 

135-39 

159-13 

183. 11 

5i 

22.48 

45-39 

68.70 

92.35 

116.34 

140.60 

165. 11 

189.83 

52 

23-43 

47.27 

71.48 

96.01 

120.83 

145.91 

171.20 

196.65 

S3 

24.41 

49.19 

74.32 

99-73 

125.41 

151. 3i 

177.37 

203.55 

54 

25.40 

5I.I5 

77.21 

103.53 

130.07 

156.79 

183.62 

210.52 

3 

26.42 

53-15 

80.16 

107.40 

I34.8I 

162.34 

189.95 

217.56 

27.46 

55-19 

83.17 

in- 33 

139-61 

167.96 

196.33 

224.66 

57 

28.52 

57.29 

86.24 

115.32 

144.47 

173.64 

202.77 

231.80 

58 

29.61 

59-41 

89-35 

119-35 

149.38 

179-37 

209.25 

238.95 

59 

30.71 

61.56 

92.48 

123.42 

154.32 

185.12 

215.72 

246.07 

60 

31.83 

63-73 

9565 

127-53 

I59.30 

190.88 

222.19 

253.16 

61 

32.95 

65.92 

98.85 

131.67 

164.28 

196.62 

228.61 

260.16 

62 

34.09 

68.14 

102.08 

135.80 

169.24 

202.32 

234.95 

267.06 

63 

35-25 

70.39 

1.05.30 

139.92 

174.17 

207.95 

241.19 

273.82 

64 

36.42 

72.60 

108.49 

143.99 

179.00 

213.46 

247.29 

280.43 

U 

37-56 

74.80 

III. 64 

147-97 

183.74 

218.84 

253.24 

286.97 

38.69 

76.97 

114.73 

151.89 

188.36 

224.10 

259-!5 

293.59 

3 

39.82 

79.09 

117-75 

155-69 

192.87 

229.33 

265.15 

300.45 

40.90 

81.16 

120.67 

159.40 

197-37 

234.68 

271.44 

307.75 

69 

41.97 

83.17 

123.55 

163.14 

202.04 

240.37 

278.22 

315.70 

1  7o 

43.00 

85.15 

126.47 

167.08 

207.09 

246.60 

285.71 

324.44 

O.L. 


AmA% 


Of   Life   Insurance. 

281 

Table  No.  XCI. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

9  th 

10th 

iitu 

12th 

13th 

14th 

15th 

16th 

Age. 

Year. 

Year. 

Year 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

57.14 

64.79 

72.75 

81.OI 

89-59 

98.49 

I07.73 

"7.31 

21 

59.70 

67.70 

76.01 

84.64 

93-59 

IO2.87 

112.51 

122.50 

22 

62.40 

70.76 

79-43 

88.43 

97-77 

IO7.46 

117.51 

127-93    i 

23 

65.23 

73-96 

83.02 

92.41 

102.16 

112.27 

122.74 

133-59   I 

24 

68.20 

77.31 

86.76 

96.58 

106.75 

II7.29 

128.20 

I39.5I 

25 

71.31 

80.82 

90.70 

IOO.93 

i". 55 

122.53 

133.91 

145.68 

26 

74o6 

84.50 

94.80 

IO5.49 

116.55 

128.00 

I39.85 

152. 11 

% 

77-97 

88.35 

99.11 

IIO.25 

121.79 

133-72 

146.07 

158.83 

8i.55 

92.39 

103.61 

115-23 

127.25 

139.69 

152.55 

165.84   | 

29 

85.29 

96.60 

108.31 

120.43 

132.97 

145-93 

159.32 

173.14 

30 

89.20 

IOI.OI 

113.23 

125.87 

138.93 

152.44 

166.37 

180.74 

31 

93-30 

105.62 

118.37 

131.55 

145-17 

159.22 

173.71 

188.62 

32 

97.58 

110.44 

123.74 

137.48 

151.66 

166.28 

I8I.33 

196.80 

33 

102.06 

115.48 

129.35 

143.66 

158.42 

173.61 

189.24 

205.27 

34 

106.75 

120.76 

135.21 

150. 1 1 

165.45 

181.23 

197.43 

214.01 

35 

in. 66 

126.26 

141.32 

156.81 

172.76 

189.12 

205.87 

222.99 

36 

116.76 

131.99 

147.66 

163.77 

180.31 

197.24 

214.55 

232.21 

11 

122. 11 

137.95 

154-25 

170.98 

188. 11 

205.61 

223.47 

241.67 

127.66 

144.15 

161.08 

178.41 

196.12 

214.20 

232.61 

25L35 

39 

133.43 

150.57 

168.12 

186.06 

204.36 

223.OI 

241.97 

261.23 

40 

139.41 

157.19 

175.37 

I93.9I 

212.80 

232.02 

251.52 

271.30 

4i 

145.58 

164.01 

182.80 

201.96 

221.44 

241.21 

261.26 

281.55 

42 

151.92 

170.99 

190.41 

2IO.I8 

230.24 

250.58 

271.16 

291.95 

43 

158.41 

178.13 

198.19 

218.56 

239.21 

260.IO 

28I.2I 

302.48    | 

44 

165.04 

185.42 

206.11 

227.09 

248.31 

269.75 

291.37 

313-13   ; 

45 

171. 81 

192.85 

214.17 

235.75 

257-55 

279-53 

3OI.66 

323.88 

46 

178.69 

200.39 

222.35 

244  52 

266.90 

289.41 

312.02 

334.69 

47 

185.69 

208.05 

230.64 

253.42 

276.35 

299.38 

322.46 

345.56   i 

48 

192.79 

215.81 

239.03 

262.40 

285.88 

309.41 

332.95 

356.47 

;  49 

199.99 

223.68 

247.52 

271.47 

295-47 

3I9-49 

343.48 

367.39 

|50 

207.30 

231.64 

256.10 

280.61 

305.14 

329.63- 

354.05 

378.31 

51 

214.71 

239.70 

264  76 

289.82 

314.86 

339-Si 

364.61 

389.19  ! 

5* 

222.22 

247.85 

273.49 

299.IO 

324.63 

349-99 

375-14 

400.02 

1  53 

229.80 

256.05 

282.28 

308.42 

334-39 

360.15 

385.63 

410.75     : 

l  54 

237-44 

264.32 

291. II 

317.74 

344-14 

370.25 

396.01 

421-36    j 

S 

245-15 

272.64 

299.95 

327.04 

353.84 

380.27 

406.28 

431.81     I 

252.90 

280.95 

308.78 

336.30 

363.45 

390.17 

416.39 

442.09 

57 

260.65 

289.26 

3:7.56 

345.48 

372.95 

399-91 

42634 

452.26 

58 

268.40 

297.53 

326.26 

354  54 

382.30 

409.50 

436.17 

462.38 

59 

276.09 

305.70 

334.85 

363.45 

391.48 

418.97 

445-98 

472.59 

60 

283.71 

313.77 

343-28 

372.20 

400.56 

428.43 

455-88 

483.OO 

61 

291.21 

321.69 

351.56 

380.86 

409.64 

437-99 

466.OO 

493-72 

62 

298.58 

329.47 

359.76 

389-52 

418.84 

447.8o 

476.47 

504.86 

63 

305.80 

337.16 

367.97 

398.33 

428.31 

457-99 

487.38 

516.45 

64 

312.94 

344.88 

376.34 

407.42 

438.19 

468.65 

498.78 

528.58 

65 

320.12 

352.77 

385.03 

416.96 

448.57 

479-84 

510.76 

54I.07 

66 

327-52 

361.03 

394.20 

427.05 

459-54 

491.67 

523.16 

554-07 

67 

335-31 

369.82 

403.99 

437-79 

471.21 

503.96 

536.12 

567.80 

68 

343-68 

379.27 

414.47 

449.28 

483.39 

516.88 

549-88 

582.72 

69 

352.80 

389-50 

425.79 

461.36 

496.28 

530.68 

564.92 

599.15 

70 

362.75 

400.63 

437-76 

474-21 

510.12 

545-86 

581.59 

616.95 

Am.4* 


O.L 


282 


Principles   and   Practice 


Table  No.  XCI. — Continued. 
TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 
AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

2 

29 
30 
31 
32 
33 
34 

li 

U 

39 
40 

4i 
42 
43 
44 

g 

8 

49 
So 
5i 
52 
53 
54 

11 
11 

59 
60 
61 
62 

64 


69 
70 


lTtta 

Year. 


127.25 
132.86 
138.71 
144.82 
I5I.20 

157.85 
164.79 
172.02 
179-55 
187.39 
195.52 
203.96 
212.69 
221.69 
230.95 
240.46 
250.21 
260.18 
270.36 
280.75 
291.31 
302.04 
312.91 
323.90 
334-99 
346« l6 
357.38 
368.03 
379.90 
391.15 
402.36 

4I35I 
424.56 

435-49 
446.25 

456.83 
467.30 
477-72 
488.21 
498.87 
509.84 
5*i.i7 
532.94 
545.19 
557.78 
570.82 
584.53 
599-33 
61554 
633-03 
651.32 


18th 

Year. 


137.55 
I43.58 
149.88 

156.44 
I63.30 

170.44 
177.89 
185.63 
193.69 
202.06 
210.73 
219.71 
228.96 

238.47 
248.25 

258.26 
268.51 
278.98 
289.64 
300.50 
311  52 
322.71 
3340I 
345-42 
356.91 

368.45 
380.03 
391.63 
403.I9 
4I4.7I 
426.16 
437.50 
448.72 
459- 76 
470.63 

481.37 
492.06 
502.80 
5I3-7I 
524.89 

536.41 
548.33 
560.70 

573-37 
586.45 
600.13 
614.84 
630.85 
648,04 
665.96 
683.92 


19th 
Year. 


148.22 
154.68 
161.43 
168.47 
I75.8I 

183.45 
I9I.40 
199.67 
208.25 
217.14 
226.34 
235.83 
245-58 
255.59 
265.86 

276.37 
287.09 
298.03 
309.15 
320.45 

331.91 
343-50 
355-21 
366.99 
378.83 

390.72 
402  6l 

414-47 
426.29 
438.OI 
449.63 
461. II 
472.42 
483-55 
494-55 
505.48 
51646 
527.58 
538.96 
550.65 

562.70 

575.18 

587.91 
601.03 
614.69 
629.30 

645.14 
662  05 
679.62 
697.19 

714.70 


20th 

Year. 


159.26 
166.17 
173.38 
180.90 
188.73 
196.87 

205.34 
214.12 
223.22 
232.63 

242.33 
252.30 
262.54 
273.04 
283.78 

294- 75 
305.93 
317.30 
328.85 
340.57 
352.42 
364.40 
376.45 
388.57 
400.73 

412.91 
425.04 
437.13 
449-13 
461.00 

472.73 
484.29 
495-66 
506.88 
518.04 
529.23 
540.55 
552.11 
563-95 
576.13 
588.70 
601.49 
614.63 
628.28 
642.80 
658.46 

675.13 
692.38 
709-58 
726.67 

744-45 


21<t 

Year. 


170.68 
I78.06 
185.74 

193-74 
202.06 

210.72 
219.68 
228.97 
238.58 
248.48 
258.66 
269.12 
279.83 
290.79 
301.98 

313.39 
324.99 
336.77 
348.72 
360.82 

373-03 
385  34 
397-71 
410.13 
422.55 
434-95 
447.29 
459-55 
471.66 

483.63 

495.41 
507.00 

518.44 
529.81 

541.19 
552.69 
564,40 

576.39 
588.68 
601.33 
614.18 
627.33 
640.95 
655.39 
670.90 

687.33 
704.28 
721.14 

737.85 
755.18 

773-7o 


22d 

Year. 


182.51 
190.34 

198.51 
206.99 
215.82 
224.96 

234-43 
244.22 

254.3I 
264.68 

275.33 
286.25 
297.41 
308.80 
320.42 

332.24 
344.24 
356.41 
368.72 
381.16 

393.69 
406.30 
418.95 
431.61 
444.24 
456.82 
469.30 
481.65 
493.84 
505.83 
5I7.63 
529.27 
540.83 
552.39 
564.06 

575.91 
588.02 
600.41 
613.13 
626.02 
639.19 
652.78 
667.14 
682.50 
698  72 

715.39 
73L93 
748.29 

765.19 
783.19 
801.03 


23d 

Year. 


194.73 
203.04 
211.68 
220.66 
229.97 
239.61 

249.57 
259.84 

270.39 
281.22 

292.32 
303.67 
315-25 
327.07 
339-08 

351-29 
363  66 
376.18 
388.82 
401.56 

414-37 
427.23 
440.11 
452.96 
465.75 

478.45 
491.01 

503.41 
5i5.6i 
527-59 
539-42 
55LI5 
562.88 
574-70 
586.69 

598.91 
611.38 
624.17 
637.10 
650.27 
663.88 
678.11 
693.33 
709.34 
725-75 
742.00 
758.03 
774-54 
792.06 
809.38 
823.36 


24th 

Year. 


207.35 
216.14 
225.27 
234-73 

244.53 

254.65 
265.08 
275.80 
286.80 
298.06 

309.59 
321.36 

333-35 
345-54 
357-93 

370.49 
383-20 
396.03 
408.96 
421.96 

435-OI 
448.09 
461.13 
474-12 
487.02 

499-78 
512.37 
524.76 
536.94 
5"48.93 

560.83 
572.71 
584.66 
596.78 
609. 10 

621.65 
634.49 

647.45 
660.62 

674.I5 

688.36 
703.43 
719-25 
735.42 
751.40 
767.12 

783.27 
800.34 

817.17 
830.77 
844.35 


O.L. 


Am.4% 


Of  IyiFK  Insurance. 

283: 

Table  No.  XCI. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age 

25th 

2Gth 

27th 

28th 

29th 

30th 

31st 

32d 

Year. 

Year. 

Year. 

Year. 

Year. 

V  ear. 

Year.  ■ 

Year. 

20 

220.38 

233.82 

247.65 

261.87 

276.47 

291.42 

306.70 

322.29 

21 

229.65 

243.55 

257.86 

272.53 

287.56 

302.92 

318.60 

334-57 

22 

239-25 

253.64 

268.40 

283.51 

298.96 

314.72 

330.78 

347-12 

23 

249.20 

264.05 

279.25 

294.79 

310.65 

326.81 

343-24 

359-92 

24 

259-47 

274.77 

290.41 

306.36 

322.62 

339- l6 

355.94 

372.96 

2§ 

270.05 

285.79 

30I.85 

3I8.2I 

334-86 

351-75 

368.88 

386.21 

26 

280.92 

297.09 

313.56 

330.32 

347-33 

364-58 

382.03 

399.65 

27 

292.08 

308.67 

325.55 

342.68 

360.05 

377-62 

395.37 

413.27 

28 

303.51 

320.5I 

337.77 

355.27 

372.97 

390.86 

408.89 

427.05 

29 

315.20 

332.59 

350.23 

368.07 

386.09 

404.27 

422.57 

440.94 

30 

327.13 

344-91 

362.90 

381.07 

399-39 

417.84 

436.37 

454-94 

31 

339-29 

357-43 

375.76 

394-24 

412.84 

43L53 

450.26 

469.01 

32 

351.65 

370.14 

388.79 

407.56 

426.42 

445-32 

464.23 

483.12 

33 

364.21 

383-03 

401.98 

42I.OI 

440.09 

459.18 

478.25 

497-25 

34 

376.94 

396.08 

4I5.30 

434.56 

453.84 

473.10 

492.28 

511.35 

3I 

389.83 

409.25 

428.71 

448.19 

467.64 

487.03 

506.29 

525.40 

36 

402.83 

422.51 

442.20 

461.86 

481.46 

500.93 

520.24 

539.35 

37 

415-93 

435.84 

455-73 

475-55 

495-25 

5I4.78 

534-IO 

553.16 

38 

429.11 

449.23 

469.29 

489.22 

508.99 

528.54 

547.82 

566.80 

39 

442.34 

462.65 

482.83 

502.84 

522.63 

542.16 

561.38 

580.24 

40 

455-59 

476.03 

496.31 

516.36 

536.15 

555.62 

574.73 

593-45 

4i 

468.81 

489.37 

509  70 

529.76 

549-49 

568.87 

587.85 

606.47 

42 

481.98 

502.61 

522.96 

542.98 

562.63 

581.89 

600.78 

619.34 

43 

495.o6 

515.72 

536.04 

556.00 

575-55 

594-72 

613.56 

632.12 

44 

508.00 

528.65 

548.92 

568.79 

588.27 

607.41 

626.26 

644.89 

45 

520.78 

54I-38 

561.58 

581.39 

600.85 

620.02 

638.95 

657.70 

46 

533-34 

553-89 

574-04 

593.84 

6i3.35 

632.62 

651.69 

670.58 

47 

545.69 

566.21 

586.38 

606.25 

625.87 

645.29 

664.52 

683.55 

48 

557-86 

578.41 

598.66 

618.66 

638.46 

658.06 

677.45 

696.62 

49 

569.90 

590-56 

610.96 

631.16 

651.16 

670.94 

690.50 

709.67 

50 

581.92 

602.76 

623.38 

643.80 

664.00 

683.97 

703.55 

722.77 

5i 

594.00 

615.08 

635-95 

656.59 

677.01 

697.02 

716.66 

736.01 

52 

606.23 

627.58 

648.70 

669.58 

690.05 

710.14 

729.94 

749.64 

53 

618.64 

640.27 

661.65 

682.61 

703.18 

723.46 

743.63 

763.80 

54 

631.26 

653.18 

674.67 

695.76 

716.54 

737-22 

757.89 

778.35 

55 

644.14 

666.19 

687.83 

709.I5 

730,37 

75L58 

772.58 

792.98 

56 

657.I3 

679.36 

701.26 

723.05 

744.84 

766.40 

787.36 

807.25 

57 

670.30 

692.82 

7I5.23 

737.63 

759-8i 

781.36 

80I.80 

821.10 

58 

683.80 

706.87 

729.93 

752.76 

774-94 

795-99 

815.85 

835.06 

59 

697.93 

721.69 

745-21 

768.07 

789.76 

810.23 

830.02 

849.47 

60 

712.87 

737.14 

760.73 

783.IO 

804.22 

824.64 

844.70 

863.46 

61 

728.50 

752.86 

775-97 

797.78 

818.87 

839.60 

858.97 

874.80 

62 

744-44 

768.34 

790.89 

812.70 

834.I3 

854.16 

870.53 

885.92 

63 

760.16 

783-5I 

806.09 

828.28 

849.02 

865.96 

881.89 

896.15 

64 

775.60 

799.00 

822.00 

843.50 

861.07 

877.57 

892.36 

1000.00 

6J> 

791.41 

815.28 

837.58 

855.82 

872.95 

888.29 

IOOO.OO 

66 

808.07 

831.25 

850.19 

867.99 

833-93 

1000.00 

67 

824.45 

844.16 

862.67 

879.26 

1000.00 

68 

837.70 

856.98 

874.25 

IOOO.OO 

69 

850.88 

868.89 

1000.00 

70 

863.15 

1000.00 

Am.4* 


O.L 


%84 


Principles  and  Practice 


Table  No.  XCI. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES  BY   EQUAL   ANNUAL   PREMIUMS   TILL   DEATH, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

33  d 

3  tfch 

35  th 

36th 

37  th 

38th 

39  th 

40th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

338.17 

354-33 

370.73 

3S7.35 

40|.l8 

421.17 

438.31 

455.56 

21 

350.8I 

367.30 

384  02 

400.93 

418.02 

435.25 

452.6o 

470.02 

22 

363-7I 

380.52 

397-53 

4U.7I 

432.04 

449.48 

467.OO 

48457 

23 

376.84 

393-95 

411.23 

428.66 

446.21 

463.84 

481.50 

499-18 

24 

390.18 

407.57 

425.II 

442.77 

460. 50 

478.28 

496.07 

513.83 

li 

403  71 

421.37 

439-14 

456.99 

474-88 

492.79 

510.67 

528.49 

417.43 

435  32 

453-29 

47L30 

48933 

507.33 

525  27 

543  10 

27 

431.29 

449-39 

467.54 

485.69 

503.82 

521.89 

539.84 

557-65 

28 

445.28 

463-56 

48^.85 

500.I2 

518.32 

536.41 

554-35 

572.09 

29 

459-36 

477.80 

496.21 

514.55 

532.78 

550.86 

568.75 

586.39 

30 

473-52 

492.08 

510.58 

528.96 

547.19 

565.22 

583-00 

600.50 

31 

487.73 

506.38 

524.92 

543.30 

561.49 

579.42 

597.08 

614.40 

32 

501.94 

520.65 

539.20 

557-54 

575-64 

593-45 

610.94 

628.07 

33 

516.13 

534.85 

553-37 

571.64  , 

589.62 

607.27 

624.56 

641.52 

34 

530.26 

548.97 

567-4' 

585.57  ' 

603.39 

620  86 

637.99 

654.81 

9 

544.30 

562.94 

581.28 

599.29 

616.93 

63424 

651.24 

667.99 

558.19 

576.73 

594-93 

612.77 

630.27 

647.45 

664.39 

68i.ii 

37 

571.91 

590.32 

608.36 

626.06 

643-41 

660.56 

677.48 

694.22 

38 

585.43 

603  69 

621  59 

639.18 

656.51 

673.63 

690.57 

707.35 

39 

598.72 

616.85 

634.66 

652.21 

669.54 

686.70 

703.68 

720.49  | 

40 

611.82 

629.86 

647.64 

665.20 

682.58 

699.79 

716.82 

733-65 

4i 

624.76 

642.79 

660.59 

678.21 

695.66 

712.92 

729.98 

746.71  i 

42 

637.62 

655.68 

673.56 

691.26 

708  76 

726.08 

743-05 

759-70  | 

43 

650.46 

668.60 

686.57 

704-34 

721.92 

739-15 

756.o6 

772.72  1 

44 

663  32 

681.58 

699.63 

717-49 

734-99 

752.17 

769.IO 

78594  I 

45 

676.26 

694.62 

712.77 

730  56 

748.03 

765.24 

782.37 

799-49 

46 

689.26 

707.73 

725.84  i  743-61 

761.12 

778.55 

795-97 

813.21 

47 

702.36 

720.80 

738.90     756.73 

774.48 

792.22 

809.78 

826.85 

48 

715  42 

733-86 

752.04 

770.I3 

788.22 

806.12 

823.51 

840.01  : 

49 

728.49 

747.04 

76549 

783-94 

802.20 

819.95 

836.79 

852.68 

So 

741.70 

760.55 

779.38 

798.03 

816  15 

833.34 

849-57 

865.26 

5i 

755-27 

774-52 

793.58 

8I2.IO 

829.67 

846.25 

862.29 

878.05 

52 

769.34 

788.83 

807.78 

825.75 

842.72 

859-^2 

875-24 

890.31  , 

53 

783.76 

803.17 

821.57 

838.94 

855-74 

872.25 

887.68 

900.28 

54 

798.24 

817.11 

834.91 

852.13 

869.05 

884.87 

897.79 

909  93 

55 

812.34 

830.61 

848.28 

865.64 

881.86 

895.13 

907.59 

918.75 

56 

826.01 

844.16 

861.99 

878.66 

892  28 

905.08 

916.54 

1000.00 

57 

839  76 

858.10 

875-23 

889.24 

902  40 

914.18 

1000.00 

58 

853-93 

871.57 

885.99 

899-53 

911.67 

1000.00 

59 

867.65 

882.51 

896.47 

908.97 

1000.00 

60 

878.78 

893.19 

906.09 

IOOO.OO 

61 

889.67 

903.00 

1000.00 

62 

899.69 

1000.00 

63 

1000.00 

O.L. 


Am.4% 


Op  Life  Insurance. 

285 

J 

Table  No.  XCI. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES BY  EQUAL  ANNUAL   PREMIUMS   TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

4l8t 

42d 

43d 

44th 

45  th 

46th 

47th 

4«th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

i 
20 

472.89 

490.26 

507.64 

524.99 

542.29 

559-48 

576.53 

593-39 

21 

487.48 

504.96 

522.41 

539.80 

557-08 

574-22 

591.18 

607.90 

22 

502.14 

519.69 

537.18 

554.56 

57I.80 

588.85 

605.67 

622.22 

i  23 

516.84 

534-43 

551.92 

569.26 

586.41 

603.32 

619.97 

636.32 

24 

53L54 

549- !3 

566.58 

583.84 

600.86 

617.61 

634.06 

650.17 

25 

546.20 

563.76 

58I.I3 

598.26 

615.12 

631.67 

647.89 

663.80 

i   26 

560.78 

578.27 

595-52 

612.50 

629.16 

645.49 

661.51 

677.24 

!  27 

575-27 

592.64 

609.74 

626.52 

642.97 

659.IO 

674.94 

69O.  56 

1  28 

589.60 

606.82 

623.73 

640.30 

656.55 

672.52 

688.25 

703.78 

!  29 

603.75 

620.79 

637.49 

653.86 

669.95 

685.81 

701.46 

716.96 

30 

617.68 

634.52 

651.03 

667.25 

683.24 

699.02 

714.65 

730.I2 

!   31 

631.38 

648.04 

664.40 

680.52 

696.44 

712.20 

727.80 

743-24 

i  32 

644.87 

661.38 

677.65 

693.71 

709.61 

725.36 

740.93 

756.33 

!  33 

658.19 

674.61 

690.82 

706.87 

722.77 

738.49 

754-03 

769.27 

34 

671.39 

687.77 

703.98 

720.O3 

735.91 

75I.6I 

766.99 

782.IO 

9 

684.54 

700.92 

7I7.I3 

733-17 

749-03 

764.58 

779.84 

794.88 

697.67 

714.06 

730.27 

746.31 

762.02 

777-45 

792.65 

807.78 

37 

710.80 

727.20 

743.42 

759-31 

774.92 

790.29 

805.59 

820.88 

38 

723.95 

740.36 

756.44 

772.23 

787.79 

803.27 

818.74 

834.06 

39 

737.10 

753-39 

769.38 

785.13 

800.80 

816.48 

831.99 

847.06 

40 

75o.i5 

766.35 

782.31 

798.19 

814.06 

829.78 

845.05 

859.54 

4i 

763.13 

779-31 

795-41 

8H.50 

827.43 

842.92 

857.61 

871.47 

42 

776.12 

792.45 

808.78 

824.94 

840.65 

855.55 

869.61 

883.21 

43 

789.30 

805.88 

•822.28 

838.23 

853.36 

867.63 

881.44 

895.OI 

44 

802.78 

819.45 

835.65 

85I.O2 

865.53 

879-55 

893.33 

906.21 

45 

816.43 

832.91 

848.53 

863.28 

877.54 

89I.55 

904.65 

915.35 

46 

829.97 

845.87 

860.88 

875.39 

889.65 

902.98 

913.87 

924.IO 

47 

843.04 

858.32 

873.IO 

887.62 

9OI.I9 

912.28 

922.70 

932.04 

48 

855.59 

870.65 

885.45 

899  29 

910.59 

921.22 

930.73 

IOOO.OO 

49 

868.04 

883.14 

897.26 

908.79 

91963 

929.33 

IOOO.OO 

50 

880.68 

895.09 

906.86 

9*7.93 

927.84 

1000.00 

5i 

892.78 

904  81 

916.12 

926.25 

IOOO.OO 

52 

902.62 

914.19 

924.56 

1000.00 

53 

912.13 

922.74 

IOOO.OO 

54 

920.81 

1000.00 

55 

1000.00 

Am.4% 


5Pay.L 


286 

Principles  and 

Practice 

Table  No.  XCII. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES BY  FIVE  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4  th 

Year. 

Year. 

Year. 

Year. 

20 

49.08 

IOO.48 

154.32 

210.71 

21 

49-97 

I02.3I 

I57-I3 

214-57 

22 

50.90 

IO4.22 

160.07 

218.58 

23 

51.87 

I06.20 

163.I2 

222.74 

24 

52.88 

IO8.27 

166.29 

227.07 

3 

53-93 

IIO.4I 

169.58 

231.56 

55-oi 

II2.63 

172.99 

236.23 

% 

56.14 

II4.94 

176.54 

24I.08 

57-31 

"7-34 

l8o.22 

246.12 

29 

58.52 

119.82 

184.05 

25L34 

30 

59.78 

122.41 

I88.02 

256.76 

31 

61.09 

125.09 

192.13 

262.38 

32 

62.45 

127.86 

196.39 

268.22 

33 

63.84 

130.72 

200.8I 

274.26 

34 

65-30 

133.71 

205.39 

280.52 

Si 

66.81 

136.80 

2IO.I4 

287.OO 

68.36 

139-99 

215.04 

293.70 

a 

69.98 

143.28 

220.IO 

3OO.62 

71.63 

146.68 

225.33 

307.78 

39 

73-35 

150.20 

230.74 

315.18 

40 

75-11 

153.82 

236.31 

322.82 

4* 

76.94 

157.56 

242.07 

330.69 

42 

78.82 

161. 41 

247.99 

338.79 

43 

80.75 

165.37 

254.08 

347-12 

44 

82.73 

169.43 

260.32 

355-66 

M 

84.77 

173.59 

266.71 

364.41 

86.83 

177.83 

273.24 

373-34 

% 

88.95 

182.15 

279.88 

382.44 

91.09 

186.53 

286.61 

391.69 

49 

93-24 

190.94 

293.43 

401.07 

50 

95-41 

195.40 

300.32 

410.58 

5i 

97-59 

199.89 

307.28 

420.19 

52 

99.78 

204.40 

314.28 

429.89 

53 

101.97 

208.92 

321.31 

439-66 

54 

104.15 

213.43 

328.35 

449.46 

n 

106.31 

217.93 

335-37 

459-3Q 

108.45 

222.38 

342.38 

469.13 

u 

110.56 

226  80 

349-32 

478.93 

112.65 

231.14 

356.20 

488.68 

59 

114.67 

235-39 

362.96 

498.33 

60 

116.62 

239-53 

369-59 

507.87 

61 

118.50 

243.54 

376.06 

517-27 

62 

120.31 

247.40 

382.36 

526.48 

63 

122.01 

251.10 

388.42 

535-47 

64 

123.62 

254.58 

394.22 

544.20 

3 

125.07 

257.82 

399.72 

552.62 

126.39 

260.81 

404.87 

560.71 

ii 

127.56 

263.50 

409.66 

568.42 

128.53 

265.86 

414.02 

575-72 

69 

129.33 

267.86 

417.94 

582.63 

70 

129.88 

269.47 

421.42 

589.16 

lOPay.L. 


Am.4* 


Of  Life  Insurance. 


287 


Table  No.  XCIII. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 

EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

26 
27 
28 
29 

30 
31 
32 

33 

34 

36 
37 
38 
39 
40 

4i 
42 

43 
44 

$ 
% 

49 
50 
5i 
52 
53 
54 

S 

3 

59 
60 
61 
62 

64 

65 
66 

67 
68 
69 
70 


1st 

Year. 


23.96 
24.44 
24.94 
25  46 
26.OO 
26.57 

27.15 
27.76 
28.40 
29.05 

29-73 
30.43 
3116 

3i-9i 
32.69 

33.5o 
34-33 
35.19 
36.07 

36.98 

37-91 

38.88 

39-87 
40.90 
41.94 

43.01 
44.08 
45.18 
46.23 
47.36 
48.44 
49-52 
50.58 
51-64 
52.67 

53-69 
54.67 
55  63 
56.57 
57-45 
58.29 
59.07 
59  8o 
60.48 
61.09 
61.60 
62.02 

62.35 
62.54 
62.62 

62.55 


2d 

Year. 


49.02 
50.00 

5I.03 
52.IO 
53-22 

54-37 
55.56 
56.81 
58.10 
59.43 
60.83 
62.23 

63.75 
6528 
66.88 

68.53 
70.22 
71.97 
73-77 
75.62 

77.53 
79- 50 
8i.53 
83.60 
85.72 

87.87 
90.06 
92.27 
94.42 
96.65 

98.83 
101.00 

103.15 
105.28 
107.36 
109.39 
in. 38 

II33I 
115. 16 
116.92 

118.59 
120.14 
121  59 
122.93 
124.09 
[25.08 
125.88 
126.45 
126.77 
126.83 
126.62 


3d 

Year. 


75-24 
7676 
78.34 
79.98 
81.69 

83.46 
85.29 
87.20 
89.18 
91.23 

93.36 

95-52 

97.83 

IOO.19 

IO2.63 

I05.I5 
107.74 
IIO.42 

113.17 
II6.0I 

H8.93 
121.95 
125.03 
I28.20 
I3I.4I 
I34.69 
I38.OI 
141.34 
144.63 
147.98 

151.28 

154-57 
157.82 
161.04 
164.19 

167.27 
170.27 
173.18 
I75-98 
178.63 

81.13 

83.48 

85.65 

187.60 

I89-33 
19077 
191. 91 
192.71 
193.12 
193.13 
192.83 


4th 

Year. 


IO2.69 
IO4.76 
106.91 
IO9.16 
III.48 
II3.9O 
H6.39 
Iig.OO 
121.70 
124.49 

127.39 
130.36 

133.49 
136.70 
140.02 

143-45 
146  98 
I50.62 
154.37 
158.24 

l62.22 
166.30 
170.49 
174-77 
179.13 
183.56 
188.02 
192-50 
196.95 
201.46 
205.92 
210.35 
214.75 
219.08 
223.34 
227.51 
231.56 

235-49 
239.25 
242.83 
246.22 
249.38 
252.29 
254.92 
257.22 

259-13 
260.64 
261.68 
262.21 
262.30 
262.04 


5th 

Year. 


131.41 
134.06 
136.82 
139.69 
142.66 

145.75 
148.94 
152.28 

155.73 
159.29 

162  99 
l66.8l 
170.80 
174.90 
179.13 

183.51 
188.OI 
I92.66 

197.45 
202.39 

207.46 
2T2.07 
217.99 
223.43 
228.96 

234.56 
240.20 

245.87 
251.52 
257.23 
262.89 
268.52 
274.IO 
279.61 
285.O3 
29O.33 

295.49 
300.49 

305-a9 
309.87 
314.20 
318.25 
321.97 

325.34 
328.28 

330.77 
332.73 

334-12 
334-96 
335-33 
335.34 


6th 

Year. 


161.48 
164.74 
I68.I2 
171.64 
175.30 
I79.09 
183.02 
187.IO 
I9I-33 
195-71 
20O.  26 
204.95 
209.83 
214.86 
220.05 

225.4I 
230.94 
236.64 
242.52 
248.56 

254.77 
261.13 
267.64 
274.28 
28I.OI 
287.82 
294.69 
301.60 
308  51 
315.46 
322.38 
329.26 
336.09 
342.85 
349-50 
356.02 
362.37 
368.53 
374-47 
380.16 

38554 
390-58 
395.26 
399-49 
403-25 
406.46 
409.07 
411.09 
412.55 
4I3.53 
414.13 


7  th 

Year. 


192  95 
196.84 
200. 89 
205.09 
20945 
213.99 
218  68 
223-55 
228.60 

233.84 
239  26 
244  86 
250.68 
256.68 
262.87 
269.26 
275-86 
282.67 
289.67 
296.87 

304.25 
311.82 

3I9-55 
32742 
335-40 
343.48 
351.63 
359-84 
368,07 

376.34 

384.59 
392.82 
400.99 
409.09 
417.07 
424.92 
432.58 
440.05 
447  28 
454-21 
460.82 
467  06 
472  87 
478.23 
483.04 
487.28 
490  92 

493-99 
496.52 
498.58 
500.23 


8th 

Year. 


225  90 
230.46 

235.I9 
240. 1 1 
245.22 
250.52 
256  OI 
261.71 
267.62 
273-74 
280.09 
286.63 

293-43 
300.44 
307.68 

3I5.I6 

322.88 
330.83 
339-oi 
347.41 
356.03 
364.85 
373-85 
383.00 
392-29 
401.70 
411. 21 
420.30 

430.43 
44c.  n 

449-79 
459-47 
469.10 
478.67 
488.13 

497-45 

506.61 

515.57 
524.29 

532.71 
540.80 
548  51 
555-8o 
562.61 
568.90 
574  66 
579-90 
584-63 
588.88 
592.68 
506.04 


9th 

Year 


260.39 
265.65 
271.IO 
276.77 
282.66 

288.76 
295.09 
301.66 
308.47 
3I5-52 
322.82 
330.38 
338.19 
346.26 
354-61 
363.22 
372.IO 
381.25 
390.66 
4OO.33 
4IO.23 
420.35 
430.67 
441.18 
451.85 
462.68 

473.63 
484.69 

495.84 
507.04 
518.29 
529.56 
540.80 
552.01 
563.14 

574- 16 
585.05 
595.76 
606.25 
616  49 
626.43 
636.03 
645.26 
65407 
662.48 

670.48 
678. ic 

685.35 
692.24 
698.77 
704.89 


Am.4* 


15Pay.L 


288 

Principles  and   Practice 

Table  No.  XCIV 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

rth 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

15.75 

32.20 

49.40 

67.38 

86.18 

IO5.85 

126.41 

21 

16.09 

32-9* 

50.49 

68.87 

88.IO 

108.19 

129.20 

22 

16.45 

33-65 

51.63 

70.43 

90.09 

IIO.63 

132. II 

23 

16.83 

34-43 

52.83 

72.05 

92.15 

113. 16 

I35-I3 

24 

17.23 

35.24 

54.06 

73-73 

94-30 

115.79 

138.27 

3 

17.64 

36.08 

55-34 

75  48 

96.52 

II8.52 

141.52 

18.06 

36.94 

56.67 

77.28 

98.83 

121.35 

144.89 

2l 

18.50 

37.84 

58.04 

79- 1 5 

IOJ.22 

124.28 

I48.38 

28 

18.96 

38.'77 

59-47 

81.10 

IO3.70 

127.32 

151.99 

29 

19-43 

39-74 

60.95 

83.12 

IO6.27 

130.46 

155-74 

30 

19-93 

40.75 

62.49 

85.20 

IO8.93 

133.72 

159.62 

31 

20.44 

41-79 

64.08 

87.36 

III. 69 

I37.09 

163.63 

32 

20.97 

42.86 

65.72 

89.60 

"4-53 

140.57 

167.76 

33 

21.51 

43-97 

67.42 

91.91 

117.47 

144.16 

172.03 

34 

22.07 

45-13 

69.18 

94.30 

120.51 

147.87 

176.43 

35 

22.67 

46.32 

71.01 

96.76 

123.64 

151.69 

180.98 

36 

23.27 

47-55 

72.87 

99.3o 

126.86 

155.63 

185.65 

12 

23.89 

48.81 

74.8o 

101.91 

130.19 

159.69 

190.47 

24-53 

50.11 

76.78 

104.60 

133.61 

163.87 

19542 

39 

25.20 

51.46 

78.84 

107.38 

137.14 

168.16 

200.51 

40 

25.87 

52.84 

80.95 

110.25 

140.77 

172.58 

205.71 

4i 

26.59 

54.28 

83.14 

113.19 

144- 50 

177.09 

211.04 

42 

27-31 

55.76 

85.37 

116. 21 

148.30 

lSl.70 

216.45 

43 

28.07 

57.27 

87.67 

119.29 

152.18 

186.38 

221.93 

44 

28.83 

58.82 

90.00 

122.42 

156.11 

I91. IO 

227.44 

9 

29.62 

60  40 

92.38 

125.60 

160.07 

195.85 

232.98 

30.41 

62.00 

94.78 

128.78 

164.03 

200.59 

238.52 

9 

31-23 

63  61 

97.18 

131.96 

167.99 

205.33 

244.05 

32.04 

65.22 

99-56 

135-12 

I7I-93 

210.05 

249-54 

49 

32.83 

66.80 

101.92 

138.25 

175.83 

214.72 

254.98 

So 

33-63 

68.38 

104.28 

I4I-37 

179.70 

2.9.34 

260.36 

5i 

34-42 

69  95 

106.62 

144.46 

183.54 

223.91 

265.66 

52 

35-21 

71-51 

108.93 

147-52 

187.31 

228.40 

270.88 

53 

36.00 

73-o6 

in. 22 

150.52 

191.03 

232.82 

275-98 

54 

36.77 

74-59 

113.47 

153.47 

194.67 

237.I3 

280.95 

55 

37-54 

76.09 

115.68 

156.38 

198.23 

241-33 

285.77 

56 

38.30 

77.57 

117.86 

159.21 

201.68 

245-39 

290.42 

57 

39-05 

79.04 

119.99 

161.97 

205.04 

249.30 

294.89 

58 

39-79 

80.47 

122.07 

164.64 

208.27 

253.06 

299.15 

59 

40.51 

81.86 

124.07 

167.21 

211.36  - 

256.63 

303.16 

60 

41.22 

83.21 

126.00 

169.67 

214.30 

260.OO 

306.92 

61 

41.91 

84.51 

127.86 

172.03 

217.07 

263.12 

310.36 

62 

42.57 

85.78 

129.65 

174-23 

219.63 

265.97 

313.44 

63 

43.23 

87.00 

131.32 

176.28 

221.96 

268.51 

316.14 

64 

43.85 

88.13 

132.86 

178.13 

224.01 

270.69 

3i8.37 

u 

44-43 

89.17 

134.26 

179-75 

225.76 

272.47 

320.14 

44-97 

90.13 

135.49 

181. 15 

227.20 

273.87 

321.51 

67 

45.48 

90.99 

136.58 

182.31 

228.35 

274.98 

322.63 

68 

45-93 

91-75 

137-49 

183.27 

229.31 

275-97 

323.69 

69 

46.35 

92.43 

138.30 

184.16 

230.30 

277.08 

324.94 

70 

46.73 

93-°5 

I39-T3 

185.19 

231-54. 

278.55 

326.62 

15Pay.L 


Am.4» 


Of 

L/iFB   Insurance. 

289 

Table  No.  XCIV.— Concluded. 

1. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES    BY    ] 

FIFTEEN  EQUAL    ANNUAL   PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

8th 

9  th 

10th 

11th 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

I47.9I 

170.39 

193.91 

218.51 

244.25 

271.17 

299-34 

21 

151.18 

174.16 

I98.I9 

223.33 

249.62 

277-13 

305.90 

22 

154-57 

178  06 

202  63 

228.33 

255.20 

283.31 

312.72 

23 

158.10 

I82.I2 

207.24 

233-51 

260.98 

289.72 

3I9.79 

24 

161.76 

186.33 

2I2.02 

238.88 

266.98 

296.37 

327.11 

2| 

165.56 

190.69 

216.97 

244-45 

273.19 

303.25 

334.69 

26 

169.49 

195.21 

222.11 

250.22 

279.63 

310.37 

34253 

2 

173.56 

199.90 

227.42 

256.20 

286.28 

317.74 

350.64 

177.79 

204.75 

232.92 

262.37 

293.17 

325.36 

359-03 

29 

182.16 

209. 76 

238.61 

268.76 

300.28 

333-23 

367.70 

30 

186.68 

21495 

244.46 

275-36 

307.63 

341  36 

376.65 

31 

igi.34 

220.30 

250.55 

282.17 

3I5.21 

349.76 

385.88 

32 

196.16 

225.82 

256.81 

289.20 

323.04 

358.41 

395-39 

33 

201.13 

231.52 

263.27 

296.44 

33I.JO 

367.32 

405.18 

34 

206.26 

237.40 

269.93 

303.90 

339-40 

376.48 

415.23 

35 

211.54 

243.46 

276.78 

3II-58 

347-92 

385.88 

425-54 

36 

216.99 

249.69 

283.82 

3I9.45 

356.66 

395  50 

436.08 

37 

222.58 

256.09 

29I.04 

327-52 

365.60 

405  34 

446.84 

38 

228.33 

262.64 

298  44 

335-77 

374-72 

4I5-36 

457.8o 

39 

234.22 

269.36 

305-99 

344.18 

384.00 

425-55 

468.94 

40 

240. 24 

276.21 

313-68 

352.72 

393-42 

435-89 

480  25 

4i 

246.38 

283.17 

321.47 

361.37 

402.97 

446.37 

491.71 

42 

252.60 

290.21 

329  35 

370.12 

412  62 

456.96 

503.30 

43 

258.88 

297.31 

337-30 

378.94 

422.34 

467.64 

514.99 

44 

265.20 

304.46 

345.29 

387.80 

432.11 

478.37 

526.75 

4I 

271.55 

3II-63 

353-30 

396.68 

441.91 

489.14 

538.58 

46 

277.89 

318.78 

361  30 

405.55 

45i.7o 

499-93 

550.43 

47 

284.22 

325.92 

369.27 

414.40 

461.48 

510.69 

562.29 

48 

290.49 

333.00 

377-'8 

423.18 

471.18 

521.40 

574-H 

49 

296.71 

340.00 

385-01 

431.88 

480.81 

532.03 

585.87 

So 

302.84 

346.93 

392-74 

440.46 

490.31 

542.56 

597.54 

5i 

308.90 

353-74 

400.34 

448  90 

499.66 

552.94 

609. 10 

52 

314.83 

360.41 

407.78 

457-*6 

508.84 

563.14 

620.50 

53 

320.63 

366  91 

415.03 

465.22 

517.80 

573-1^ 

631.70 

54 

326.26 

373-22 

422.06 

473-04 

526.49 

582.85 

642.67 

55 

331.71 

379-32 

428.85 

480.58 

534.89 

592.28 

653-36 

56 

336.95 

385.18 

435  35 

48779 

542  95 

601.36 

663  75 

57 

34L97 

390  75 

441-52 

494.65 

550.62 

610.06 

673.79 

58 

346.71 

396.00 

447-33 

501.09 

557.85 

618.32 

683.45 

59 

35I-I7 

400.91 

452.71 

507  08 

564.60 

626.12 

692.74 

60 

355-29 

405.40 

457-64 

512.54 

570.82 

633.44 

701.67 

61 

359-02 

409  43 

462.04 

517-44 

576.49 

640. 29 

710.26    | 

62 

362.32 

412  95 

465.86 

521.77 

581.63 

646.68 

7r8.52     i 

63 

365.13 

415.92 

469  12 

525  54 

586.26 

652.64 

726.46 

64 

367.41 

418.33 

471.83 

528.80 

590.41 

658.17 

734-07 

55 

369.20 

420.26 

474.08 

531. 6r 

594.13 

663.27 

741.32 

66 

370.62 

421.85 

475.98 

534-07 

597-43 

667.92 

748.17 

67 

371.83 

423.23 

477.67 

536.24 

600. 36 

672.14 

754-53 

68 

373-OI 

424.60 

479-3o 

538-2E 

602.98 

675.80 

760.37 

69 

374-42 

426.15 

480.96 

540  10 

605.14 

678.90 

765-71     1 

70 

376.23 

427.99 

482.81 

541-74 

606  89 

681.47 

770.61 

AmA% 


20Pay.L 


290 

Principles  and   Practice 

Table  No 

.  xcv. 

[ 

TERMINAL   NET   VALUES   PER  $1000  OF  WHOLE   LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

1st 

2d 

3d 

4th 

5th 

6th 

7  th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

II.76 

24.04 

36.87 

50.26 

64.25 

78.87 

94.14 

21 

12.05 

24.62 

37.76 

51.48 

65.81 

80.78 

96.41 

22 

12.34 

25.23 

38.69 

52.75 

67-43 

82.76 

98.78 

23 

12.65 

25-87 

39.67 

54.08 

69.12 

84.83 

IOI.24 

24 

12.98 

26.53 

40.68 

55-45 

70.87 

86.98 

IO3.79 

25 

13-32 

27.22 

41-73 

56.88 

72.69 

89.20 

IO6.44 

26 

13.66 

27-93 

42.82 

58.35 

74.57- 

91.51 

IO9.19 

27 

I403 

28.67 

43-94 

5989 

76.53 

93.91 

II2.03 

28 

I4.41 

29-43 

45-12 

61.49 

78.57 

96.38 

II4.97 

29 

14.79 

30.23 

46.34 

63.14 

80.66 

98.95 

H8.03 

30 

I5.20 

31.06 

47.60 

64.85 

82.84 

IOI.62 

121. 19 

31 

I5-63 

31.92 

48.91 

66.63 

85.II 

IO4.38 

124.47 

32 

16.06 

32. bo 

50.26 

68.47 

87.44 

IO7.23 

I27.84 

33 

16.51 

33-72 

51.67 

7o.37 

89.86 

I IO.  1 7 

131-33 

34 

16.98 

34-68 

53.13 

72.35 

92.36 

113.22 

134-94 

35 

17.48 

35-68 

54.64 

74-39 

94-95 

II6.36 

I38.66 

36 

17.98 

36.70 

56.19 

76.49 

97.61 

II9. 6l 

142.50 

37 

18.50 

37.76 

57.8o 

78.66 

100.37 

122.96 

146.47 

38 

19.04 

38.85 

59.40 

80.91 

103.22 

126.42 

150.55 

39 

19.60 

39.93 

61.19 

83.24 

106.17 

I29.99 

I54.76 

40 

20.I8 

41.16 

6297 

85.65 

109  20 

I33.67 

I59-07 

41 

20.79 

42.39 

64.83 

88.14 

112.34 

137-45 

163.5O 

42 

21.41 

43-60 

66.74 

90.70 

115.55 

141. 31 

168.OO 

43 

22.07 

44.95 

68.71 

93-33 

118.84 

145-25 

172.57 

44 

22.73 

4630 

70.72 

96.01 

122.18 

149-23 

177.17 

45 

23.42 

47.68 

72.78 

98.74 

12556 

153.24 

181.79 

46 

24.12 

49.07 

7487 

101.49 

128.94 

157-25 

186  42 

47 

24.84 

50.50 

76.97 

10425 

132.34 

161.27 

I9I.06 

48 

25-57 

51.92 

7907 

107.00 

135.74 

165.29 

I95.67 

49 

26.29 

53-34 

81  16 

109.75 

139-13 

169.29 

200.26 

50 

27.01 

54-77 

83.27 

112.52 

142.53 

173.30 

204.83 

51 

27.74 

56.21 

85.40 

115-30 

145-93 

177.29 

209.39 

52 

28.48 

57.67 

87-53 

118.09 

149.33 

181.27 

213-93 

53 

29.24 

59- 1 3 

89.69 

120  88 

152.74 

185.25 

2l8  43 

54 

29.99 

60.61 

91.84 

123.68 

156.14 

189.21 

222.90 

55 

30.76 

62.11 

94.02 

126.50 

159-55 

193.15 

227.32 

56 

31-53 

63.60 

96.21 

129.33 

162  95 

I97.06 

231.70 

Fs 

32.32 

65.14 

98.42 

132.16 

166.33 

2OO.95 

236.02 

33-12 

66.68 

100.64 

I34-98 

169.70 

204.80 

240.28 

59 

33-97 

68.22 

102.85 

137.80 

I73-05 

208.60 

244-43 

60 

34-74 

69.78 

105.07 

140.61 

176.38 

212.33 

248.49 

61 

35-56 

71-34 

107.30 

143-43 

179.66 

215.99 

252.43 

62 

36.39 

72.93 

109.5' 

146.22 

182.90 

219.58 

256.23 

63 

37.25 

74-53 

in. 80 

149.00 

186.11 

223.07 

259.91 

64 

38.11 

76.13 

114.03 

I5L75 

189.23 

226.47 

263.44 

65 

38.95 

77-72 

116.25 

154-44 

192.30 

229.76 

266.86 

66 

39.82 

79-33 

118.44 

157.12 

I95.30 

233.OO 

270.30     I 

% 

40.69 

80.91 

120.63 

1 59- 76 

198.30 

236.3I 

273-95 

41-54 

82.50 

122  80 

162.42 

201.41 

239.9O 

278.05 

69 

42.41 

84.10 

125.03 

165.25 

204.87 

244.05 

282.91 

70 

43.28 

85-74 

127-43 

168.44 

208.92 

249.OO 

288.79 

20Pay.L. 


Am.4% 


Of  Lifio  Insurance. 

291 

Table  No.  XCV.~ 

-Continued 

TERMINAL   NET   VALUES   PER 

$1000   OF 

WHOLE 

LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE 

FOUR  PER  CENT 

Age. 

8th 

9  th 

tOth 

11th 

12th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

IIO.08 

126.74 

144-15 

162.33 

I8I.34 

201.19 

21 

II2.74 

129.80 

147-61 

166.23 

185.68 

205.99 

22 

II5-50 

132.97 

151.22 

170.27 

I9O.18 

210.97 

23 

118.37 

136.26 

154-95 

174.46 

194.84 

216.14 

24 

121.35 

139.68 

158.82 

178.81 

199.69 

221.49 

25 

124.44 

143.22 

162.83 

183.32 

204.70 

227.02 

26 

127.63 

-  146.89 

166.99 

187.98 

209.88 

233.74 

27 

130.94 

150.69 

I7I-30 

192.80 

215.24 

238.66 

28 

I34-38 

I54-63 

175.75 

197-79 

220.78 

244.76 

29 

137-93 

158.70 

180.35 

202.94 

226.49 

251.07 

30 

141. 61 

162.90 

185.IO 

208.25 

232.40 

257.58 

3i 

145.41 

167.25 

I90.OI 

213.74 

238.49 

264.29 

32 

149-33 

171-73 

I95.07 

219.40 

244.77 

271.20 

33 

I53-38 

176.35 

200.29 

225.24 

25L23 

278.30 

34 

157.56 

l8l. 13 

205.69 

231.25 

257.88 

285.60 

35 

161.88 

186.07 

211.23 

237.44 

264.70 

293.07 

36 

166.33 

I91. 13 

216.94 

243.77 

271.68 

3OO.71 

37 

170.92 

196.35 

222.79 

250.27 

278.82 

308.48 

38 

175.03 

20I.70 

228.78 

256.90 

286.08 

316.37 

39 

180.48 

207.18 

234.90 

263.64 

293.45 

324.37 

40 

185.43 

212.78 

241.12 

270.48 

300.91 

332.44 

4i 

190. 50 

218.46 

247.42 

277.39 

308.43 

340.58 

42 

195.63 

224,21 

253.77 

284.35 

316.OO 

348.75 

43 

200.81 

230.OO 

260.16 

291.35 

323-58 

356.94 

44 

206.02 

235.81 

266.57 

298.34 

331.16 

365.IO 

45 

211.25 

241.64 

272.98 

305-33 

338.72 

373.22 

46 

216.48 

247.45 

279-37 

312.27 

346.22 

381.28 

47 

221.70 

253.25 

285.72 

319.16 

353.65 

389.24 

48 

226.90 

258.99 

292.01 

325.99 

360.99 

397.09 

49 

232.05 

264.69 

298.23 

332.71 

368.20 

404.79 

50 

237-17 

270.34 

304.38 

339-34 

375.29 

412.33 

5i 

242.26 

275.93 

310.44 

345-85 

382.23 

419.70 

52 

247-31 

281.46 

316.41 

352.23 

389.OI 

426.87 

53 

252.31 

28689 

322.26 

358  46 

395.61 

433-80 

54 

257.23 

292.24 

327-98 

364.54 

401.98 

440.47 

55 

262.09 

297  49 

333-57 

370.41 

408.12 

446.85 

56 

266.87 

302.62 

338.99 

376.07 

413.98 

452.88 

5l 

27L57 

307.61 

344.22 

381.48 

419.52 

458.53 

58 

276.14. 

312.44 

349-23 

386.60 

424.71 

463-75 

59 

280.58 

3I7.07 

353-97 

39L39 

429.49 

468.51 

60 

284.86 

321  48 

358.43 

395.82 

433.85 

472.85 

61 

288.96 

325.66 

362.58 

399.89 

437-86 

476.84 

62 

292.89 

329-59 

366.45 

403-69 

441.61 

480.62 

63 

296.63 

333-31 

370.12 

407.33 

445.27 

484.35 

64 

300. 20 

336.89 

373-73 

411.00 

449.OI 

488.19 

65 

303.72 

340.51 

377.48 

414.88 

453-03 

492.29 

66 

307.36 

344-39 

381.59 

419.21 

457.52 

496.81 

67 

3*1-37 

348.76 

386.32 

424  22 

462.66 

501.95 

68 

316.00 

353-92 

39x-93 

430.13 

468.72 

507.74 

69 

321.58 

360.15 

398.67 

437.25 

475-77 

5I4-58 

70 

328.33 

367  66 

406.81 

445-58 

484  18 

523.OO 

AmA% 


20Pay.L 


292 

Principles   and  Practice 

Table  No.  XCV.- 

—Concluded 

TERMINAL   NET  VALUES   PER 

$1000   OF   WHOLE 

LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE 

.  FOUR  PER  CENT 

• 

Age. 

14th 

15th 

16th 

17th 

l«th 

19th 

Year.      , 

Year. 

Year. 

Year. 

Year. 

Year. 

*20 

221.93 

243.60 

266.26 

289.93 

314.68 

340.54 

21 

227.21 

249-39 

272.57 

296.78 

322.08 

348.53 

22 

232.70 

255-39 

279.IO 

303-87 

329-75 

356.79 

23 

238.37 

261.60 

285.86 

3II.20 

337-67 

365-34 

24 

244.25 

268.02 

292.85 

318.78 

345-87 

374-17 

25 

250.33 

274.66 

300.07 

326.61 

354-33 

383  29 

26 

256.61 

281.52 

307.53 

334.70 

363-07 

392.70 

27 

263.IO 

288.61 

315.24 

343-05 

372.08 

402.40 

28 

269.80 

295.92 

323.20 

351.65 

381.36 

412.38 

29 

276.71 

303-47 

331.38 

360.52 

390.91 

422.63 

30 

283.85 

311.24 

339-82 

369.62 

40071 

433-15 

31 

29I.I9 

319.24 

348.4S 

378.97 

410.76 

443-91 

32 

298-75 

327-45 

357-37 

388.55 

421.03 

454.89 

33 

306.50 

335-87 

366.47 

398.32 

43I-5I 

466.09 

34 

3*4-45 

344-49 

375-75 

408.29 

442.17 

477.48 

H 

322.59 

353-28 

.  385.21 

418.42 

453-OI 

489.05 

330.S7 

362.21 

394.  So 

428.71 

464.00 

500.78 

9 

339.28 

371.28 

404-53 

439- I2 

475-12 

512.65 

347.8i 

380.46 

414.38 

449  65 

486.36 

524.63 

39 

356.44 

389-73 

424.31 

460. 26 

497-68 

536.70 

40 

365.15 

399.07 

434-30 

470.93 

509.06 

548.85 

4i 

373-90 

408.46 

444-34 

481.64 

520.49 

561.05. 

42 

382.68 

417.86 

454.38 

492.36 

531-93 

573.26    1 

43 

391.46 

427-25 

464.41 

503.05 

543-34 

585.45 

44 

400. 2 1 

436.61 

474-39 

513.70 

554-69 

597.60 

45 

408.92 

445-9° 

484.30 

524-25 

565-97 

609.68 

46 

417-53 

455-09 

494.08 

534-69 

577-12 

621.66 

9 

426.04 

464.14 

503-73 

544-97 

588.13 

633-49 

434.40 

473-04 

5I3-I9 

555-07 

598.94 

645-I5 

49 

442.59 

481.75 

522.46 

564.94 

609.52 

656.59 

50 

450.60 

490.24 

531-47 

574-56 

619.85 

667.78 

5i 

458.40 

498.49 

540.21 

583.87 

629.86 

678.69 

52 

465.95 

5<>6.45 

548.64 

592.84 

639-53 

689.28 

53 

473-23 

514.10 

556.70 

601.44 

648.82 

699-53 

54 

480.19 

521.37 

564-37 

609.61 

657.69 

709.44 

55 

486.80 

528.25 

571.58 

617.31 

666.15 

719.03 

56 

493-OI 

534-67 

578.32 

624.56 

674.21 

728.32 

57 

498.77 

540.60 

584-56 

63I-35 

681.88 

737-34 

58 

504.05 

546.03 

590.33 

637.71 

689.19 

746.08 

59 

508  85 

55I-OI 

595-67 

643.69 

696.16 

754-55 

60 

513-24 

555.60 

600.65 

649.31 

702.78 

762.73 

61 

5I7-32 

559-89 

605.32 

654.59 

709.03 

770.58 

62 

521.21 

563-99 

609.75 

659  56 

714-93 

778.00 

63 

525-05 

568.00 

614  01 

664.26 

720.36 

785.00 

64 

-528.97 

572.00 

618.15 

668.56 

725.32 

791-58 

00 

533-09 

576.08 

622.05 

672.51 

729.84 

797-83 

537-54 

580.17 

625.82 

676.20 

734- 10 

803.77 

tl 

542.30 

584-48 

629.72 

680.00 

738.28 

809.28 

547-69 

589.41 

634.32 

684.36 

74'2.44 

814.14 

69 

554-24 

595-74 

640.31 

689.58 

746.60 

818.12 

70 

562  75 

604.19 

648.05 

695.72 

750.55 

821.17 

5Yr.End. 


Am.4* 


Op 

Lifk   Insurance. 

293 

Table  No.  XCVI. 

TERMINAL    NET    VALUES    PER    $1000  OF   FIVE-YEAR    EN- 

DOWMENT  POLICIES    BY   EQUAL  ANNUAL    PREMIUMS 

TILL  MATURITY,  AMERICAN   EXPERIENCE, 

FOUR    PER  CENT. 

A                                                                  l8t 

Age-                         Year. 

2d 

3d 

4th 

Year. 

Year. 

Year. 

20 

181.66 

372.03 

571-57 

1 
780.73 

21 

181.64 

372.00 

571-54 

780.71 

22 

181.62 

371-97 

57L5I 

780  68  . 

23 

181.60 

371-94 

571-47 

780.66 

24 

181.58 

37I-9I 

57L44 

780.64 

2§ 

181.56 

371-88 

571-41 

780.61 

26 

181.54 

371-84 

571-37 

780.58 

27 

181. 51 

371.81 

571  33 

7S0.55 

28 

181.49 

371-77 

571.28 

780.52 

29 

181.46 

371-7.2 

57L23 

780.49 

30 

181.43 

371-68 

571.18 

780.45 

3i 

181. 41 

37I-63 

571.13 

780.41 

32 

181.37 

371-57 

571.07 

780.36 

33 

181.33 

37I-5I 

57I.OO 

780.32 

34 

1S1.29 

371-45 

570.93 

780.26 

35 

181.26 

371.38 

570.86 

780.21 

36 

181. 21 

37I-30 

570.77 

780.14 

3l 

181. 16 

371.22 

570.68 

780.07 

38 

181. 10 

371-12 

570.57 

779.99 

39 

181.04 

37i-o2 

570.45 

779-91 

40 

180.97 

370.90 

570.33 

779.82- 

4i 

180.90 

370.78 

570.19 

779-71 

42 

180.82 

370.65 

570.04 

779.60 

43 

180.74 

370.50 

569.87 

779-47 

44 

180.63 

370.33 

569.68 

779.32 

45 

180.53 

37o.i5 

569.46 

779-16 

46 

180.40 

369-93 

569.22 

778.96 

47 

180.26 

369.60 

568.93 

778.75 

48 

180. 11 

369.41 

568.61 

778.50 

49 

179.92             369.08 

568.23 

778.21 

50 

179.69             368.70  ■ 

567.80 

777-88 

5i 

179.45              368.28 

567.32 

777-52 

52 

179.17 

367.81 

566.78 

777.12 

53 

178.86 

367.28 

566.19 

776.66 

54 

178.51 

366.68 

565-51 

776.15 

55 

178.12 

366.02 

564.76 

775-59 

56 

177.68 

365-29 

563.93 

774-96 

57 

177.20 

364.48 

563.01 

774.27 

58 

176.68 

363-58 

561.99 

773  50 

59 

176.09 

362.58 

560.86 

772.64 

60 

175-44 

361.47 

559-6o 

771.68 

61 

174.71 

360.24 

558.20 

.770.62 

62 

173.92 

358.89 

556.67 

769-45 

63 

173-05 

357.40 

554-96 

768.15 

64 

172.10 

355-75 

553.o8 

766.71 

65 

171-03 

353-93 

550.98 

765.10 

66 

169.86 

351-92 

548.67 

763.32 

67 

168.58 

349.70 

546.11 

761.35 

68 

167.15 

347-24 

543-28 

759-17 

69 

165.59 

344-53 

540.15 

756.78 

70 

163.85 

341-53 

536.71 

754.15 

Am.4* 


lOYr.End 


294 


Principles  and   Practice 


Table  No.  XCVII. 

TERMINAL  NET  VALUES  PER  $1000  OF  TEN-YEAR  ENDOW- 

MENT    POLICIES   BY   EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

2| 
26 

27 

28 

29 

30 
31 
32 

33 

34 

36 
37 
38 
39 
40 

4i 
42 

43 
44 

46 

47 
48 

49 
50 
5i 
52 
S3 
54 

57 
58 
59 
60 
61 
62 
63 
£4 
U 

% 
69 
70 


1st 

Year. 


80.25 
80.24 
8o.22 
80.20 
80.19 
80.18 
80.16 
80.14 
80.I2 
80.IO 
80.08 
80.06 
80.03 
80.OO 
79.93 
79.96 

79.92 
79.89 
79.35 
79.81 

79.76 
79-73 
79.68 

79-65 
79-59 
79-55 
79-49 
79-43 
79-36 
79-25 
79.12 
78.98 
78.82 
78.64 
78.43 
78.20 

77-94 
77-66 

77-35 
77.01 
76.64 
76.23 
75.78 
75.32 
74.80 
74.22 

73-59 
72.89 
72.08 
71.20 
70.08 


2d 

Year. 


64-33 
64.30 
64.27 
64.24 
64.21 
64.18 
64.14 
64.II 
64.07 
64.03 

63.99 
63.95 
63.90 
63.84 
63.80 

63.74 
63.68 
63.61 
63-53 
63-44 
63.36 
63.27 
63.19 
63.09 
62.99 
62.88 
62  76 
62.62 
62.43 
62.19 
61.92 
6l.6l 
61.26 
60.87 
6.>.43 
59-94 
59-40 
58.81 
58.16 
57-43 
56.64 
55-77 
54-84 
53.83 
52.71 
5148 
50.11 

48.59 
4687 
44-95 
42.73 


3d 

Year. 


252.43 
252.38 
252.34 
252.30 
252.26 
252.21 
252.16 
252.II 
252  06 
252.OO 

251.94 
251.87 
251.80 
25L73 
251.65 
25L57 
251.46 
251.36 
251.24 
251.12 

250.99 
250.86 
250.72 
250.58 
250.41 
250.23 
250.02 
249.77 

249-45 
249.08 

248.65 
248.17 
247  62 
247.01 
246.32 
245-57 
244-73 
243-81 

242.79 
241.66 

240.43 

239.08 

237.63 
236.01 
234.27 

232.33 
230.16 
227.76 
225.04 
222.02 
218.68 


4  th 

Year. 


344-74 
344.69 
344.64 
344-59 
344-53 
344.48 
344-41 
344  35 
344  28 
344-21 

344.13 
344.04 

343.96 
343-86 
343.76 
343.64 
343.51 
343-37 
343-22 
343-o6 
342.89 
342.72 
342.53 
342.32 
342.09 
341.84 
34L52 
341.16 
340.72 
340.20 
339.62 

338.97 
338.23 
337-40 
336.48 
335-46 
334-34 
333-09 
33L72 
330.20 

328.54 
326.73 
324.74 
322.57 
320.17 
3I7.50 
314-54 
311.22 

307.51 
303-46 
299.08 


5  th 

Year. 


441.49 
441-43 
441.38 
441.32 
441.26 

441.19 
44LI2 

441.04 
440.97 
440.88 

440.78 
440.69 
440.58 

440.47 

440.34 
440.21 
440.05 
439.89 
439-71 
439-52 

439-32 
439.10 
438.86 
438.60 
438.31 
437-97 
437-57 
437- 10 
436.55 
435.92 
435.20 
434-39 
433-49 
432.48 

43L36 
430.12 

428.74 
427.21 

425.53 
423.67 

421.64 
419.41 
416.95 
414.27 
411.28 

407-97 
404.27 
400.15 
395-58 
39  >-66 

385.41 


6th 

Year. 


542.89 
542.83 
542.77 
542.71 
542.65 
542.58 
542.50 
542.42 
542.34 
542.24 

542.15 
542.04 

54i  93 
54i.8o 
54I.67 
541.51 
541-35 
541.17 
540.97 
540.76 

540.54 
540.29 
540.02 
539-72 
539-37 
538.97 
538.49 
537-95 
537.33 
536.61 

535.8o 

534.89 

533.88 

532.75 
53L49 
530.10 

528.54 
526.83 

524-94 

522.86 

520.56 
518.03 

515.24 
512.17 
508.77 

504.97 
500  74 
496.05 
490.92 

485.42 

479.56 


7th 

Year. 


649.19 
649.13 
649.08 
649.02 
648.95 
648.89 
648.81 
648.73 
648.65 
648.56 
648.47 
648.36 
648.25 
648.12 
647.99 
647.84 
647.67 
647.49 
647.30 
647.09 
646.85 
646.60 
646.3I 

645-99 
645.62 

645- 19 
644.70 
644.14 

643-49 
642.76 

641.93 
641.OO 

639-97 
638.82 

637.54 
636.II 

634.53 
632.78 
630.85 
628.71 
626.34 
623.73 
620.84 
617.66 
614. II 
610.16 
605.78 
600.96 

595-71 
590.06 

584-03 


8th 

Year. 


760.62 
760.58 
760.53 
760.48 
760.43 
760.37 
760.31 
760.24 
760.17 
760.IO 
760.02 
759-93 
759.83 
759-72 
759.6o 
759-47 
759-33 
759-17 
759.00 
758.81 
758.60 
758.37 
758.11 
757.82 
757.48 
757-09 
756.65 

756.14 
755-57 
754-91 
754.18 
753  36 
752.44 
75L42 
750.28 
749.02 
747.62 
746.06 
744-34 
742.43 
740.31 
737.96 
735.36 
732.48 
729.28 
725-72 
721.79 

717.47 
712.76 

707.67 
702.17 


9th 

Year. 


877.47 
877.44 
877.41 

877.38 
877.35 
877.31 
877  27 
877.23 
877.I9 

877.14| 

877.09 

877.03 

876.97 

876.90 

876.82 

876.74 

876.65 

876.55 

876.44 

876.31 

S76.18 

876.02 

875.85 

875.65 

875.42 

875.16 

874.87 

874.54 

874.16 

873-73 

873.25 
872.72 
872.12 
871.45 
870  71 
869.88 
868.97 

867.94 
866.81 

865.55 
864.14 
862.59 
860.86 
858.94 
856.81 
854-45 
851.85 
848.98 
845.83 
842.39 
838.60 


15Yr.End. 


Am.4* 


Of 

TviFB  Insurance. 

295 

Table  No. 

XCVIII 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN 

EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5ih 

6th 

7th 

Year.    ' 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

47-H 

96-45 

148.13 

202.26 

258.96 

318.38 

380.63 

21 

47.IO 

96-43 

148.IO 

202.22 

258.92 

318.32 

380.56 

22 

47.09 

96.41 

148.07 

202.I8 

258.87 

318.26 

38O.5O     | 

23 

47.08 

96-39 

148.04 

202.I4 

258.82 

318.20 

380.41      i 

24 

47.07 

96.38 

148.02 

202.II 

258.77 

3I8.I4 

380.36 

2§ 

47.07 

96.36 

147-99 

202.O7 

258.72 

318.08 

380.29    1 

26 

47.06 

96-34 

147.96 

202.03 

258.67 

3I8.02 

380.21 

27 

47-05 

96.33 

147-93 

20I.98 

258.62 

317-95 

380.13 

28 

47-05 

96.31 

147.90 

2OI.95 

258.56 

317-88 

380.04 

29 

47.03 

96. 29 

147.87 

20I.9I 

258.50 

3I7.8I 

379.96 

30 

47.03 

96.27 

147.85 

201.86 

258.45 

317.74 

379-87 

31 

47-02 

96.26 

147.82 

201.82 

258.39 

317.66 

379-78 

32 

47.02 

96.24 

147.79 

201.78 

258.33 

317.58 

379-67 

33 

47.OI  ' 

96.22 

147.76 

201.73 

258.27 

31749 

379-56 

34 

47.OO 

96.22 

147  74 

201.70 

258.20 

317.41 

379-45 

35 

47.OI 

96.21 

147.72 

201.65 

258.14 

317.31 

379-33 

36 

47.OO 

96.20 

147.69 

201.61 

258.07 

317.22 

379-21     1 

11 

47-OI 

96.19 

147.67 

201.56 

258.OI 

3I7.I3 

379-09    i 

47-OJ 

96.18 

147.65 

201.53 

257-95 

3I7-05 

378.97 

39 

47.01 

96.18 

147.65 

201.51 

257-91 

316.98 

378.87     1 

40 

47.OI 

96.20 

147.65 

201   51 

257-88 

316.92 

378.76    i 

4i 

47.04 

96.23 

147.69 

2OI.53 

257.88 

31687 

378.66    1 

42 

47.06 

96.27 

M7.73 

201.56 

257-87 

316.82 

378.55 

43 

47.IO 

96-33 

147.79 

2OI.59 

257-88 

316.77 

378.42 

44 

47.14 

96-39 

147.85 

2OI.63 

257.87 

316.68 

378.24 

4§ 

47.19 

96.46 

I47-92 

201.68 

257-85 

316.57 

378.01 

46 

47-23 

96.53 

147.98 

201.69 

257  78 

316.40 

377-73 

47 

47.29 

96.61 

148.03 

201.67 

257.67 

316.18 

377-38 

48 

47-34 

96.66 

148.04 

201.62 

257-52 

3I5.90 

376.96 

49 

47.38 

96.68 

148.02 

201.52 

257-31 

3I5-56 

376.46 

50 

47.41 

96.70 

147.99 

201.40 

257.07 

315^16 

375-89 

5i 

47-43 

96.71 

147-94 

201.25 

256.78 

3I4-7I 

375  25 

52 

47-46 

96.72 

147.88 

201.08 

256.45 

314.20 

374-53 

53 

47-49 

96.72 

147  81 

200.87 

256.08 

313.63 

373-74 

54 

47.51 

96.71 

147.71 

200.65 

255.68 

313.OO 

372.86 

55 

47-54 

96.70 

147.61 

200.41 

255  24 

312.32 

371.90 

56 

47.56 

96.69 

I47.5I 

200.14 

254.76 

3H-57 

370.84 

57 

47.60 

96.70 

147.41 

199.86 

254.24 

310.76 

369.71 

58 

47.64 

96.71 

I47-30 

199.57 

253-68 

309.89 

368.49 

59 

47.69 

96.71 

147.18 

199.24 

253-09 

308.96 

367.15 

60 

47-74 

96.72 

147.06 

198.90 

252.45 

307.94 

365.69 

61 

47-79 

96.72 

146.93 

198.54 

251-75 

306.81 

364.07 

62 

47.85 

96.75 

146.80 

198.14 

250.96 

305-56 

362.26 

63 

47.92 

96.77 

146.63 

197.67 

250.08 

304-13 

360.22 

64 

47-99 

96.76 

146.41 

197  11 

249.04 

302.50 

357-89 

65 

48.03 

96.71 

146.14 

196.43 

247.83 

300.02 

355  26 

Am.4* 


15Yr.End 


296 

Principles  and   Practice 

Table  No.  XCVIII.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN- YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

8th 

9  th 

10th 

11th 

12  th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

445-86 

514.24 

585.90 

661.03 

739-81 

822.43 

909.08 

21 

445-79 

514.16 

585.82 

660.96 

739-74 

822.37 

909.05 

22 

445-72 

514.08 

585.74 

660.88 

739.67 

822.31 

909.OI 

23 

445-64 

514.OO 

585.65 

660.79 

739-59 

822.25 

908.97 

24 

445.56 

5I3-91 

585.56 

660. 70 

739-50 

822.18 

908.93 

u 

445.48 

513  82 

585-47 

660.60 

739-42 

322.11 

908.89 

44S.  39 

5I3-72 

585.36 

660.50 

739-32 

822.02 

908.84 

11 

445.30 

513.62 

585.26 

660.39 

739-22 

821.94 

908.79 

445.20 

5I3-5I 

585-'4 

660.27 

739-U 

821.85 

908.73 

29 

445.10 

513.40 

585.02 

660. 1 5 

738.98 

821.75 

908.67 

30 

445.oo 

513-28 

584.88 

660.OI 

738.85 

821.64 

908.60 

31 

444-88 

5I3.I4 

584-74 

659.86 

738.71 

821.52 

908.52 

32 

444.76 

513-00 

584.58 

659.70 

738.56 

821.39 

908.44 

33 

444.62 

512.84 

584.41 

659-53 

738.39 

821.24 

908.35 

34 

444.48 

512.69 

584.24 

659-34 

738.21 

82I.O9 

908.25 

35 

444-34 

512.52 

584.05 

659.14 

738oi 

82O.92 

Q08.14 

36 

444.19 

512.34 

583-85 

658.92 

737.80 

820.73 

908.02 

37 

444.04 

512.16 

583.64 

658.69 

737-57 

820.52 

907  88 

38 

443-89 

511.97 

583.41 

658.45 

737-31 

82O.29 

907.72 

39 

443-74 

511.73 

583.18 

658.17 

73702 

820.03 

907.55 

40 

443- 5S 

511.56 

582.91 

657.86 

736.69 

819.73 

907.36 

4i 

44342 

5".33 

582.61 

657-5I 

736.32 

819.4O 

907.14 

42 

443  23 

511.06 

582.26 

657-IO 

735-91 

81903 

906.89 

43 

443.00 

5io.73 

581.85 

656.64 

735-43 

818.60 

906.61 

44 

442.72 

510.35 

581.38 

656.II 

734.88 

8l8. II 

906.29 

4I 

442.38 

50990 

580.83 

655.49 

734  26 

817.56 

905.94 

46 

441.97 

509.37 

580.20 

654- 79 

733-54 

816.94 

9°5-53 

47 

441.49 

508.75 

579.46 

653-98 

732.74 

816.23 

905.07 

48 

440.92 

508.03 

578.62 

653-07 

73I-33 

815.44 

904.56 

49 

440.25 

507.21 

577-68 

652.04 

730.80 

814.54 

903-98 

50 

439-50 

506.29 

576.61 

650.89 

729.65 

813.54 

903  33 

5i 

438.67 

505-27 

575-43 

649.61 

728.37 

812.42 

902.61 

52 

437-73 

504.12 

574-20 

648.18 

726.95 

8ll. 19 

901.81 

53 

436.70 

502.86 

572.64 

646.60 

725-38 

809.81 

900.92 

54 

435-55 

501.45 

57I.03. 

644.85 

723.64 

808.28 

899.92 

5I 
56 

434.30 

499.92 

569.26 

642.93 

721.71 

806.59 

898.82 

432.93 

498.13 

567.32 

640.81 

719-59 

804.72 

897-59 

57 

431-45 

496.42 

56519 

638.49 

717.24 

802.64 

896.23 

58 

429.82 

494.42 

562.85 

635.92 

7I4-65 

80O.35 

894.72 

59 

428.07 

492.23 

560.28 

633.09 

711.78 

797.79 

893.05 

60 

426.13 

489.80 

557-43 

629.94 

708.58 

794.96 

891.19 

61 

423.97 

487.01 

554-25 

626.43 

705.03 

79I-83 

889.14 

62 

421.56 

484.08 

550.69 

622.53 

701. 11 

738.38 

886.88 

63 

418.84 

481.69 

546.73 

618.23 

696.81 

784-59 

884.39 

64 

415-77 

476.92 

542.41 

613-57 

692.15 

780.47 

881.64 

65 

412.38 

472.85 

537-77 

608.59 

687.16 

776.OI 

878.62 

20Yr.End. 


Am.4* 


Of  Life   Insurance. 


297 


Table  No.  XCIX. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

' 

FILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6  th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

31.04 

.   63.53 

97-55 

133.15 

170.44 

209.49 

250.38 

21 

31.04 

63.52 

97-53 

133.14 

170.42 

209.46 

250.35 

22 

3I.03 

63.52 

97-53 

133-13 

170.4I 

209.44 

250.32 

23 

3I.O4 

63.52 

97-53 

I33-I3 

170.40 

209.43 

250.30 

24 

31.04 

63.53 

97-53 

I33.13 

170.40 

209.42 

250.28 

25 

3I-05 

63.53 

97-54 

133-14 

170.40 

209.41 

250.27 

26 

3I-05 

63.54 

97-55 

I33-I4 

170.40 

209.41 

250.26 

27 

3I-05 

63.55 

97.56 

133.15 

170.41 

209.41 

250.25 

28 

31.06 

63.56 

97-57 

I33-I7 

170.43 

209.42 

250.25 

29 

31.07 

63.58 

97.60 

I33.I9 

170.44 

209.44 

250.26 

30 

3I.08 

63.60 

97.63 

133.23 

170.48 

209.47 

250.28 

31 

31.IO. 

63.64 

97.67 

133-27 

170.53 

209.51 

250.32 

32 

31   12 

63.67 

97.71 

133-33 

170.58 

209.57 

250.36 

33 

31-14 

63.71 

97-77 

I33-40 

170.66 

2^9.64 

250.43 

34 

31-17 

63-77 

97.85 

133-49 

170.76 

209.74 

250.52 

3? 

31.22 

63.84 

97-95 

133.60 

170.88 

209.86 

250.64 

36 

3J-25 

63.92 

98.05 

133-73 

171  02 

2IO.OI 

250.79 

37 

31.31 

64.OI 

98.18 

133.88 

171.20 

2I0.20 

250.99 

38 

31.36 

64.12 

98.33 

I34-07 

171.42 

210.44 

251.23 

39 

31.44 

64.25 

98.52 

134-31 

171.69 

210.74 

251-53 

40 

3i.5i 

64.41 

98.75 

134.60 

172.OI 

211.09 

251.88 

4i 

31.62 

64.61 

99.03 

■  134-93 

172.40 

211.49 

252.29 

42 

31-74 

64.83 

99-33 

135.32 

172.83 

211.95 

252.74 

43 

31.88 

65.08 

99.69 

135-75 

173.31 

212.45 

253.22 

44 

32.02 

65.37 

100.08 

136.22 

I73-84 

212.98 

253.71 

4I 

32.20 

65.68 

100.52 

136.74 

174.39 

213.53 

254.23 

46 

32.38 

66.02 

100.98 

137.28 

174.96 

214.09 

254.75 

47 

32.58 

66.40 

101.47 

137.83 

175-55 

214.68 

255.29 

48 

32.80 

66.77 

101.96 

138.40 

176.15 

215.28 

255-84 

49 

33-OI 

67-I5 

102.46 

138.99 

176.78 

215.89 

256.40 

50 

33.23 

67.55 

103.01 

I39-63 

177.46 

216.56 

257.00 

5i 

33-47 

67.99 

103.60 

140.31 

178.18 

217.27 

257.65 

52 

33-73 

68.47 

104.23 

141-05 

178.97 

218.05 

258.36 

53 

34-02 

68.99 

104.92 

141-85 

179-83 

218.90 

259- 14 

54 

34-32 

69.54 

105.66 

142.72 

180.76 

219.83 

259-99 

55 

34-66 

70.14 

106.47 

143.68 

181.78 

220.84 

260.92 

56 

35.0I 

70.79 

107.36 

144.71 

182.89 

221.94 

261.93 

57 

35-41 

71.51 

108.32 

145.83 

184.09 

223.13 

263.03 

58 

35.83 

72.28 

109.35 

147.04 

185.37 

224.41 

264.20 

59 

36.28 

73.IO 

110.44 

148.31 

186.75 

225.78 

265.44 

60 

36.76 

73-97 

in. 61  • 

149.68 

188.22 

227.21 

266.73 

Am.4* 


20Yr.End 


298 

Principles  and 

Practice 

Table  No.  XCIX.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT 1 

3OLlCIES 

BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR   PER   CENT. 

Age. 

«th 

9th 

ion, 

11th 

12th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

293.21 

338.07 

385.07 

434-31 

485.9I 

539-99 

21 

293.17 

338.02 

385.OI 

434-24 

485.84 

539-91 

22 

293- 13 

337.98 

384.96 

43418 

485.76 

539-82 

23 

293.IO 

337-94 

384.91 

434-12 

485.69 

539-74 

24 

293.08 

337-90 

384.86 

43405 

485.61 

539-66 

3 

29305 

337-86 

38481 

433-99 

485  54 

539-57 

293.03 

337.83 

384.76 

433-93 

485.46 

539-47 

27 

293.OI 

337-8o 

384.72 

433-87 

485.38 

539-37 

28 

293.OI 

337.78 

384.68 

433-81 

485.30 

539-27 

29 

293.OO 

337.76 

384.64 

433-75 

485.22 

539-17 

30 

293.OI 

337-75 

384.61 

433-  70 

485.14 

539-07 

31 

293.O3 

337-75 

384.59 

433-65 

485.07 

538.97 

32 

293.OO 

337.76 

384.58 

433-62 

485.01 

538.88 

33 

293.II 

337-8o 

384.59 

433.60 

484.96 

538.80 

34 

293.I9 

337-86 

384.63 

433-61 

484.  Q3 

538.72 

s 

293.30 

337.96 

384.69 

433-64 

484.92 

538.66 

293-45 

338.08 

384.79 

43370 

484.92 

538.61 

5 

293.64 

338.25 

384.92 

433.78 

484.94 

538.55 

293.87 

338.45 

385.09 

433-88 

484.97 

538.48 

39 

294.16 

338.71 

385.29 

.  434-00 

484.99 

538.40 

40 

294.49 

339-00 

385.51 

434-13 

485.00 

538.30 

4i 

294.87 

339-32 

385.74 

434-25 

485.01 

538.18 

42 

295.28 

339-65 

385  97 

434-37 

484.99 

538.02 

43 

295.70 

339-99 

386.20 

434-47 

484.94 

537-82 

44 

296.I3 

340.33 

386.42 

434-54 

484.86 

537.56 

45 

296.57 

340.67 

386.63 

434-59 

484-73 

537-25 

46 

297.02 

34LOO 

386.81 

434.60 

484-55 

536.88 

9 

297.47 

341-33 

386.98 

434-59 

484.33 

536.44 

297.92 

341.64 

387.13 

434-54 

484.06 

535-93 

49 

298.38 

34I-96 

387.26 

434-45 

483.73 

535-34 

50 

298.87 

342.30 

387.40 

434-35 

483-36 

534.69 

5i 

299.41 

342.66 

387.55 

434-23 

482.95 

533-97 

52 

300.00 

343  06 

387.71 

434-11 

482.51 

533.20 

53 

300.64 

343-50 

387.89 

433-99 

482.05 

532.35 

54 

301  34 

343-99 

388.IO 

433-87 

481.54 

53L45 

U 

302.11 

344-53 

388.34 

433-74 

481.00 

530.45 

302.95 

345-12 

388.60 

433-59 

480.38 

529.32 

U 

303.87 

*  345-75 

388.86 

433.40 

47966 

528.05 

304.82 

346.40 

389.O9 

433.13 

478.82 

526.57 

59 

305.82 

347-05 

389.28 

432.76 

477.8o 

524.87 

60 

306.85 

347-68 

389.40 

432.26 

476.61 

522.98 

20Yr.End. 


AmA% 


Of  Life  Insurance. 

299 

Table  No.  XCIX.— Concluded. 

I 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT 

POLICIES 

BY  EQUAL  ANNUAL  PREMIUMS 

TILL    MATURITY,    AMERICAN    EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

14th 

Year. 

15th 

Year. 

16th 

Year. 

irth 

Year. 

18th 

Year. 

19th 

Year. 

20 
21 
22 

23 

24 

596.68 

596-59 
596.50 
596.41 
596.32 

656.12 
656.03 
655-93 
655.84 
655.73 

718.45 
718.36 
718.27 
718.16 
718.06 

783.83 
783.75 
783.66 
783.56 
783.46 

852.43 
852.36 
852.28 
852.20 
852.12 

924.42 
924.37 
924.33 
924.28 

924.23 

3 

27 
28 
29 

596.21 
596.10 
595-99 
595.87 
595-75 

655.62 
655.50 
655-37 
655.24 
655.IO 

717.94 
7I7.82 
717.69 
717.55 
7I7.40 

783.35 
783.23 
783.II 
782.97 
782.83 

852.03 

851.93 
851.82 
851.71 
851.58 

924.17 
924.II 
924.04 
923.97 
923.89 

30 
31 
32 

33 

34 

595-62 
595.50 
595-38 
595.26 
595.14 

654.96 
654.82 
654.66 
654.5I 
654.35 

717.25 
717.09 
716.92 

716.74 
716.54 

782.68 
782.51 
782.33 
782.14 
781.92 

851.45 
851.30 
851.14 
850.96 
850.76 

923.80 
923.70 
923.59 
923.47 
923.34 

U 

11 

39 

595-03 
594.90 
594.76 
594.60 
594.42 

654.18 
653-99 
653-77 
653-53 
653-23 

716.32 
716.08 
7I5.80 
7I5.50 
715.15 

781.69 
781.42 
781.12 
780.78 
780.40 

850.54 
850.29 
850.OI 
849.69 
849.34 

923.19 
923.02 
922  83 
922.62 
922.38 

40 

4i 
42 

43 
44 

594.20 
593.95 
593-65 
593.30 
592.88 

652.93 
652.57 
652.15 
651.65 
651.09 

7I4.75 
7I4.30 

7I3.79 
713.20 

712.53 

779-97 
779.48 

778.93 
778.31 
777.60 

848.94 
848.50 
847.99 
847.42 
846.78 

922.12 
921.82 
921.48 
92I.IO 
920.67 

47 
48 

49 

592.39 
59I-82 
591-17 
590.43 
589.59 

650.45 
649.71 
648.87 
647.92 
646.86 

711.77 
710.91 

709.94 

708.85 
707.64 

776.80 
775-90 
774.89 
773.76 
772.49 

846.06 
845-24 
844-33 
843-31 
842.17 

920.19 
919.65 
919.05 

918.37 
917.62 

50 
5i 
52 
53 
54 

588.66 
587.65 
586.54 
585.33 
584.01 

645.70 
644.41 
643.OO 
641.46 
639- 76 

706.30 
704.81 
703.I9 
701.39 
699.41 

77I.IO 
769.55 
767.84 
765.96 
763.88 

840.91 
839-5I 
837.96 
836.25 
834.34 

916.78 
915.84 
914.80 

913.65 
912.38 

P 
8E 

59 

582.55 
580.91 
579-o6 
576.96 
574-61 

637.88 
635-77 
633-40 
630.76 
627.86 

697.21 

694.75 
692.02 
689.OO 

685.73 

761.55 
758.98 
756.13 
753-02 
749.64 

832.23 
829.90 
•  827.34 
824.52 
821.47 

9IO.97 
909.42 
907.71 
905.82 
903.74 

60 

572.07 

624.77 

682.26 

746.04 

818.17 

9OI.46 

Am.4* 


25Yr.End 


300 

Principles  and   Practice 

Table  No 

.  C. 

TERMINAL    NET 

VALUES    PER    $1000 

OF    TWENTY-FIVE- 

YEAR    ENDOWMENT 

POLICIES    BY 

EQUAL   ANNUAL 

PREMIUMS  TILL  MATURITY,  AMERICAN  EXPERI- 

ENCE,  FOUR   PER  CENT. 

Age 
20 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

*th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

2I.80 

44.60 

68.45 

93-41 

H9-53 

146.86 

175.47 

205.41 

21 

2I.80 

44.61 

68.47 

93-43 

119-56 

146.89 

175.50 

205.44 

22 

2I.8I 

44.63 

68.50 

93-47 

119.60 

146.94 

175.55 

205.49 

23 

21.82 

44.65 

68.54 

93-52 

119.65 

147.OO 

I75.6I 

205  55 

24 

21.84 

44.69 

68.58 

93-58 

119.72 

I47-07 

I75.69 

205.63 

li 

21.87 

44-73 

68.64 

93.64 

119.80 

147.16 

175.78 

205.73 

21.88 

44-77 

68.70 

93-72 

119.89 

147.26 

I75.90 

205.84 

27 

21.91 

44.82 

68.77 

93.81 

120.00 

147.39 

176.03 

205.98 

28 

21.94 

44.88 

68.85 

93.92 

120.14 

147.54 

176.19 

206.16 

29 

21.98 

44.94 

68.96 

94.06 

120.29 

147.71 

176.39 

206.37 

30 

22.02 

45-03 

69.08 

94-21 

120.47 

147.93 

176.62 

206.62 

31 

22.07 

45-13 

69.22 

94.39 

120.70 

148.18 

176.90 

206.91 

i  32 

22.13 

45-24 

69.38 

94.61 

120.95 

148.47 

177.22 

207.26 

33 

22.19 

45-37 

69.58 

94.85 

121.25 

148.81 

177.60 

207.66 

34 

22.27 

45-53 

69.80 

95  15 

121.60 

149.21 

178.03 

208.14 

35 

22.37 

45-71 

70.07 

95.48 

122.00 

149.67 

178.55 

208.70 

36 

22.47 

45- 91 

70.36 

95-86 

12245 

150.20 

I79.!5 

209.35 

37 

22.59 

46.14 

70.70 

96.29 

122.99 

150.82 

179-85 

210.10 

38 

22.72 

46.40 

71.08 

96.80 

123.60 

151.53 

180.64 

210.97 

39 

22.88 

46.70 

71.53 

97.38 

124.31 

152.35 

181.55 

211.95 

40 

23.05 

47-05 

72.03 

98.05 

125. ii 

153-28 

182.58 

213.05 

i  4* 

23.26 

47-45 

72.63 

98.80 

126.03 

154.32 

183.73 

214.28 

1  42 

23.48 

47.90 

73.28 

99-65 

127  04 

155.48 

185.00 

215.62 

43 

23.75 

48.40 

74.02 

100.59 

128.17 

156.76 

186.38 

217.06 

44 

24.02 

48.96 

74.82 

101.62 

129.39 

158.12 

187.85 

218.60 

45 

24-35 

49-57 

75-71 

102.75 

130.71 

159-59 

189.43 

220.25 

'46 

24.69 

50.24 

76.66 

103.94 

132.10 

l6l. 15 

191. 11 

222.01 

47 

25.07 

50.96 

77.68 

105  22 

133.60 

162.82 

192.92 

223.90 

!  48 

25-47 

5i  72 

78.75 

106.57 

I35.I8 

164.60 

194.84 

225.92 

49 

25.88 

52.51 

79.88 

108.00 

136.88 

166.50 

196.90 

228.07 

50 

26.33 

53.36 

81.10 

I09-55 

138.69 

168.54 

199.12 

230.40 

51 

26.80 

54.28 

82  41 

in. 20 

140.65 

170.74 

201.49 

232.91 

!  52 

27.32 

55  26 

83.82 

112.99 

142.74 

I73.O9 

204.05 

235.60 

53 

27.87 

56.31 

85-33 

114.89 

144.99 

I75.63 

206.79 

238.48 

54 

28.45 

57-44 

86.93 

116.92 

147.39 

178.33 

209.72 

241-55 

55 

29.08 

58.63 

88.64 

119.10 

149.96 

l8l. 21 

212.83 

244.83 

25Yr.End. 


Am.4% 


Of  Life  Insurance. 

301 

Table  No.  C Continued. 

TERMINAL    NET 

VALUES    PER     $1000    OF    TWENTY-FIVE- 

YEAR    ENDOWMENT    POLICIES    BY    EQUAL    ANNUAL 

PREMIUMS  TILL  MATURITY,  AMERICAN  EXPERI- 

ENCE,  FOUR  PER  CENT. 

Age 
20 

9  th 

10th 

11th 

12th 

13th 

14th 

15  th 

ifith 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

236.75 

269.56 

303.91 

339-88 

377-55 

417.OI 

458.34 

50I.65 

21 

236.78 

269.58 

303  -93 

339-90 

377-55 

417.OO 

458.32 

501.61 

22 

236.83 

269.63 

303  97 

339.92 

377-57 

417.OO 

458.31 

501.58 

23 

236.89 

269.69 

304.02 

339.96 

377.60 

417.02 

458.31 

501.56 

24 

236.97 

269.76 

304.09 

340.02 

377.65 

4I7.05 

458.31 

501.55 

25 

237.06 

269.85 

304.18 

340.IO 

377-71 

417.09 

458.33 

501.54 

:  26 

237.18 

269.97 

304.28 

340.20 

377.79 

417.15 

458.37 

501.55 

27 

237-33 

27O.II 

304.42 

340.32 

377.90 

417.23 

458.43 

501.58 

28 

237.51 

270.29 

304.59 

340.48 

378.03 

417.35 

458.52 

501.65 

29 

237-72 

270  50 

304.80 

340.67 

378.21 

417.51 

458.65 

501.74 

30 

237.98 

270.76 

305.05 

340.91 

378.44 

417.71 

458.82 

50I.87 

3* 

238.28 

271.07 

305.36 

341.22 

378.73 

4I7.97 

459-05 

502.05 

32 

238.64 

271.44 

305.73 

34158 

37Q-07 

418.29 

459-32 

502.26 

33 

239.07 

271.88 

306.18 

342.02 

379-49 

418.67 

459-65 

502.53 

34 

239-57 

272.41 

306.71 

342.54 

379-98 

419.12 

460.04 

502.83 

35 

240.18 

273.03 

307.33 

343-15 

380.56 

419.64 

460.47 

503.16 

36 

240.86 

273-74 

308.05 

343-85 

381.22 

420.22 

460.96 

503.53 

3l 

241.66 

274.56 

308.87 

344.64 

381.95 

420.86 

461.49 

503.93 

38 

242.57 

275.49 

309.79 

345.52 

382.75 

421.56 

462.06 

504.37 

39 

243.60 

276.54 

310.81 

346.49 

383.63 

422.33 

462.69 

504.83 

40 

244.75 

277.68 

311.93 

347-53 

384  58 

423.16 

463.37 

505.33 

4i 

246.00 

278.94 

313.14 

348.67 

385.62 

424.05 

464.09 

505.86 

42 

247.36 

280.29 

314.44 

349.90 

386.72 

425-OI 

464.86 

506.42 

43 

248.83 

281.74 

315.85 

35I.2I 

387-91 

426.02 

465.68 

507.01 

44 

250.40 

283.30 

317.35 

352.61 

389-I7 

427.IO 

466.55 

507.63 

$ 

252.08 

284.97 

318.96 

354-12 

390.52 

428.27 

467.47 

508.29 

253.88 

286.75 

320.67 

355.72 

391.96 

429.50 

468.46 

508.97 

9 

255-80 

288.66 

322.52 

357-44 

393-52 

430.83 

469.51 

509.7I 

257.86 

290. 70 

324.49 

359-29 

395-18 

432.25 

470.64 

510.50 

49 

260.06 

292.9O 

326.62 

361.28 

396.97 

433.78 

471.85 

511.36 

50 

262.44 

295.27 

328.91 

363-43 

398.90 

435-44 

473.18 

512.28 

5i 

265.01 

297.82 

331.38 

365.74 

400.99 

437.23 

474-59 

513.26 

52 

267.76 

3OO.56 

334.02 

368.22 

403.23 

439-14 

476.09 

5I4.28 

53 

270.71 

303.48 

336.86 

370.89 

405.62 

441.16 

477.67 

5I5-32 

54 

273.84 

306.61 

339.89 

373.70 

408.14 

443.29 

479.29 

516.36 

55 

277.20 

30995 

343.10 

376.69 

410.79 

445.50 

480.96 

51740 

Am.4* 


25Yr.End 


302. 

Principles  and   Practice 

Table  No.  C. — Concluded. 

TERMINAL    NET   VALUES   PER  $1000  OF    TWENTY-FIVE- 

.    YEAR    ENDOWMENT   POLICIES   BV   EQUAL    ANNUAL 

PREMIUMS  TILL  xMATURlTY,  AMERICAN  EXPERI- 

ENCE. FOUR  PER  CENT. 

Agk. 
20 

17th 

i«th 

19th 

20th 

21st 

22d 

23d 

24  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 
933.24 

547.03 

594-0O 

644.48 

696.78 

751.66 

809.25 

869.72 

21 

546.98 

594-53 

644.39 

696.69 

751.56 

809.15 

869.63 

933.18 

22 

546.93 

594-47 

644.31 

696.59 

75L45 

809.05 

869.55 

933-13 

23 

546.89 

594-40 

644.22 

696.49 

75L35 

808.94 

869.45 

933-07 

24 

546.85 

594-34 

644.14 

696.40 

75L24 

808.83 

869.35 

933.00 

u 

546.82 

594- 29 

644.07 

696.30 

751.12 

808.71 

869.24 

932.93 

546.80 

594.24 

643.99 

696.20 

75I.OI 

808.58 

869.13 

932.85 

27 

546.81 

594-21 

643-93 

696.IO 

750.89 

808.45 

869.OO 

932.76 

28 

546.83 

594-20 

643.88 

696.02 

750.77 

808.3I 

868.86 

932.67 

29 

546.89 

594-21 

643.84 

695.93 

750.64 

808.16 

868.71 

932.56 

30 

546.97 

594-24 

643.82 

695.84 

750.50 

807.99 

868  54 

932.44 

31 

547  09 

594-29 

643.79 

695.75 

750.35 

807.80 

868.36 

932.31 

32 

547-24 

594.36 

643-77 

695.65 

750.I8 

807.59 

868.15 

932.16 

33 

547-41 

594-44 

643.75 

695.54 

749.99 

807.36 

867.92 

932.OO 

34 

517-61 

594-53 

643.73 

695.42 

749-79 

807.IO 

867.66 

931.82 

u 

547-83 

594-63 

643.7I 

695.28 

749-55 

806.81 

867.37 

931.62 

548.07 

594-73 

643  67 

695.II 

749-29 

806.48 

867.05 

931-39 

11 

548.33 

594.83 

643.63 

694.93 

748.99 

806.I2 

866.69 

931-14 

548.60 

594-94 

643o7 

694.71 

748.65 

805.71 

866.28 

930.85 

39 

548.90 

595-05 

643.49 

694.47 

748.27 

805.25 

865.83 

930.53 

40 

549.20 

595.15 

643.39 

694.18 

747-83 

804.73 

865.32 

930.I8 

4i 

549-52 

595.24 

643.27 

693.86 

747-34 

804.14 

864.75 

929.78 

42 

549-85 

595-33 

643.II 

693.48 

746.79 

803.49 

864.11 

92933 

43 

550.18 

595-40 

642.92 

69305 

746.17 

802.75 

863.39 

928.83 

44 

550.53 

595.46 

642.69 

692.56 

745-47 

801.93 

862.60 

928.28 

% 

550.89 

595.51 

642.43 

692.OI 

744.69 

80I.02 

861.71 

927-65 

551-25 

595-54 

642.12 

691.39 

743-81 

799-99 

860.71 

926.96 

47 

551.65 

595-57 

641.78 

690. 70 

742.84 

79S.86 

859-61 

926.19 

48 

552.<>7 

595-57 

641.39 

689.93 

741.76 

797.60 

858.39 

925.33 

49 

552.51 

595-58 

640.95 

689.07 

740.56 

796.20 

857.02 

924.37 

50 

552.98 

595-57 

640.44 

688.11 

739.21 

794.63 

855.50 

923.32 

51 

553.46 

595.52 

639.86 

687.00 

737.69 

792.88 

853.83 

922.16 

52 

553-94 

595-42 

639.I5 

685.73 

735.98 

790.94 

851.98 

921.88 

53 

554.38 

595-21 

638.29 

684.29 

734.09 

788.83 

849.97 

919.47 

54 

554-77 

594.90 

637.31 

682.71 

732.05 

786.54 

847.78 

9r793 

55 

L 

555-IO 

594-51 

636.24 

681.04 

729.90 

784.12 

845.43 

916.24 

30Yr.End. 


Am.4* 


Of  Life  Insurance. 

303 

T 

ABLE    XC 

».  CI. 

TERMINAL  NET  VALUES  PER 

$1000  OF  THIRTY-YEAR-EN- 

DOWMENT  POLICIES 

BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURIT\ 

r,  AMERICAN  EXPERIENCE, 

FOUR  PER 

CENT. 

Age 

1st 

2d 

3d 

4th 

5  til 

6  th 

7th 

Hth 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

15.97 

32.67 

50.I2 

68.36 

87.44 

IO7.40 

128.26 

150.08 

21 

15.99 

32.71 

50.I8 

68.45 

87.55 

IO7.52 

128.39 

150.23 

22 

16.02 

32.76 

50.25 

68.55 

87.67 

107.66 

128.56 

I50.4I 

23 

16.05 

32.82 

50.35 

68.67 

87.82 

IO7.83 

128.75 

150.62 

24 

16.08 

32.89 

50.46 

68.81 

87.99 

IO8.03 

128.98 

150.88 

2I 

16.13 

32.98 

50.58 

68.97 

88.I9 

IO8.26 

129.25 

151. 18 

26 

16.17 

33.07 

50.72 

69.15 

88.41 

IO8.53 

129.56 

151  51 

27 

16.23 

33.18 

50.88 

69.36 

88.68 

108.85 

129.91 

I5L9I 

28 

16.30 

33.30 

5I.07 

69.62 

88.98 

109  20 

130.32 

152.37 

29 

16.36 

33-45 

51.28 

69.90 

89.33 

IO9.61 

130.79 

152.90 

30 

16.45 

33.62 

.  51.53 

70.23 

89  73 

IIO.IO 

131-34 

153  52 

3i 

16.55 

33.81 

51.82 

70.60 

90  20 

IIO.65 

131-97 

154.21 

32 

16.66 

34.02 

52.13 

71.03 

9^-73 

III. 27 

132.68 

I55-OI 

33 

.    16.78 

34-26 

52.51 

71  51 

91-33 

III.98 

1 33- 50 

155  92 

34 

16.92 

34.56 

52.93 

72.07 

92.01 

1 1 2.  79 

134-42 

156.96 

IS 

17.08 

34-88 

53-41 

72.70 

92.79 

II3.7O 

135-47 

158.14 

17.26 

35-23 

53-93 

73.40 

93  65 

"4.73 

136.66 

159-47 

37 

17.47 

35-63 

54.53 

74.19 

9463 

115.89 

138.00 

160.98 

38 

17.69 

36.08 

55-2o 

75.08 

95-74 

117. 21 

I39-5I 

162.67 

39 

17.94 

36.58 

55.96 

76.08 

96.99 

II8.68 

141.20 

164.55 

40 

18.22 

37.15 

56.81 

77-21 

98.38 

120.33 

14307 

166.64 

41 

18.55 

37.8o 

57-77 

78.47 

99-94 

122.15 

145-15 

168.93 

42 

18.90 

38.51 

58.82 

79.87 

101.64 

I24.I6 

147.42 

171.42 

43 

I9-3I 

39- 3o 

59-99 

81-39 

103.51 

126.35 

149.88 

174.11 

44 

19.73 

40.16 

61.26 

83.06 

105.54 

128.69 

152.51 

176.99 

45 

20.22 

41.10 

62.65 

84  86 

107.72 

131-21 

155-33 

180.08 

46 

20.72 

42.11 

64- 13 

86.77 

110.03 

133-88 

158.33 

183.37 

% 

21.28 

43.19 

65-7I 

88.81 

112.48 

136  73 

161.53 

186.88 

21.87 

44-33 

67.36 

90.95 

115.08 

139-74 

164.91 

190.59 

49 

22.48 

45.52 

69.10 

93.21 

117.82 

142.92 

168.49 

I945I 

SO 

23.13 

46.79 

70.95 

95.61 

120.74 

146.30 

172.29 

198.68 

Am.4* 


30Yr.End 


3°4 

Principles 

and  Practice 

Table  No. 

CI.  — Continued. 

TERMINAL  NET  VALUES  PER  $1000 

OF  THIRTY- YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL 

ANNUAL  PREMIUMS 

TILL 

,    MATURITY,    AMERICAN    EXPERIENCE, 

FOUR 

PER  CENT. 

Ace. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

I72.gO 

196.77 

221.73 

247.86 

275.19 

303.78 

333- 70 

21 

I73.o6 

196.94 

221.92 

248.04 

275.37 

303.96 

333-88 

22 

173.26 

197.15 

222.14 

248.27 

275.60 

304.19 

334- 10 

23 

173.49 

I97.4O 

222.40 

248.53 

275.87 

304.46 

334-37 

24 

173.77 

197.69 

222.70 

248.86 

276.20 

304.79 

334.69 

3 

174.09 

I98.O3 

223.O7 

249.23 

276.58 

305.I8 

335-07 

I74.46 

198.44 

223.49 

249.67 

277.03 

305-63 

335-52 

u 

174.89 

I98.9O 

223.98 

250.18 

277.55 

306.15 

336.05 

I75.40 

199.44 

224.55 

250.78 

278.16 

306.78 

336.67 

29 

175.98 

200.06 

225.21 

251.46 

278.88 

307.50 

337.41 

30 

176.65 

2OO.79 

225.97 

252.26 

279.71 

308.36 

338.26 

31 

177.41 

2or.6i 

226.86 

25319 

280.67 

309  34 

339-25 

32 

178.28 

202.56 

227.86 

254.26 

281.77 

310.47 

340.38 

33 

179.29 

203.64 

229.02 

255.47 

283.03 

3".74 

341-66 

34 

180.43 

204.89 

230.35 

256.86 

284.46 

3I3.20 

343-H 

n 

I8I.74 

206.29 

231.85 

258.43 

286.07 

314.82 

344-71 

183.20 

207.88 

233-52 

260.18 

287.87 

3i6.62 

346.47 

i? 

184.86 

209.65 

235  40 

262.13 

289.85 

318.59 

348.40 

186.70 

211.63 

237-49 

264.27 

292.OI 

320.74 

350.51 

39 

188.75 

213.83 

239.78 

266.62 

294.38 

323IO 

352.81 

40 

I9I.O2 

216.23 

242.27 

269.17 

296.96 

325.66 

355-31 

41 

193-49 

218.84 

244.98 

271.95 

299.76 

328.44 

358.03 

42 

I96.17 

221.66 

247.92 

274.95 

302.79 

33L45 

360.96 

43 

199.05 

224.70 

251.08 

278.19 

306.05 

334-68 

364.12 

44 

202.I4 

227.97 

254.47 

281.66 

309- 54 

338.15 

367.52 

9 

205.47 

231.47 

258.II 

285.39 

313.30 

341.89 

371.18 

209.OO 

235.20 

26I.98 

289.34 

3I7.3I 

345-88 

375.o8 

8 

212.76 

239.I7 

266. 1 1 

293.58 

321.58 

350.13 

379-23  ! 

216.74 

243.38 

270.49 

298.07 

326.12 

354.63 

383.64  1 

49 

220.97 

247.85 

275.14 

302.83 

330.92 

359-40 

388.31 

50 

225.45 

252.59 

280.O7 

307.87 

336.00 

364.46 

393.26 

30Yr.End. 


Am.4* 


Of  Life 

Insurance. 

305 

Table  No.  CI.— Cc 

ntinued. 

TERMINAL 

NET  VALUES  PER  $1000 

OF  THIRTY- YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL 

PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  TER  CENT. 

Age. 
20 

16th 

17th 

ISth 

19th 

20th 

21st 

22d 

Year. 

Year. 

Year. 

Year. 

468.06 

Year. 

Year. 

Year,     j 

365.02 

397  80 

432.13 

505.70 

545-13 

586.45 

21 

365-I9 

397.96 

432.26 

468.18 

505.79 

545-19 

586.48 

22 

365-40 

398.16 

432-44 

468.32 

505.9I 

545.28 

586.54 

23 

365.66 

398.40 

432.65 

468.52 

506  07 

545-41 

586.63 

24 

365-97 

'  398.68 

432.92 

468.76 

506.28 

545.58 

586.76 

25 

366.33 

399.04 

433-25 

469.06 

5f">6.55 

545-80 

586.92 

26 

366.77 

399.46 

433.65 

469.43 

506.87 

546.07 

587.13  ! 

% 

367.29 

399-97 

434-13 

469.87 

507.26 

546.40 

587.39  ; 

367.92 

400.57 

434-71 

470.40 

507-73 

546.79 

^87.69 

29 

368.64 

401.27 

435-37 

47LOI 

508.27 

547-24 

588.03 

30 

369.49 

402.09 

436.15 

47L72 

508.89 

547-75 

588.41 

3i 

370.46 

403.04 

437-03 

472.52 

509  58 

548.31 

588.84     ; 

32 

371-57 

404.10 

438.02 

473-41 

5IO-35 

548.94 

589-3I 

33 

372.83 

405.29 

439.12 

474-39 

511.19 

549-63 

589.83 

34 

374-23 

406.62 

440.34 

475-48 

512.13 

550.40 

590.40     j 

35 

375-77 

408.08 

441.68 

476.68 

5I3-I6 

55L23 

59L03 

36 

377.46 

409.67 

443-15 

477-99 

514.28 

552.14 

591.70 

37 

379  32 

411.42 

444.76 

479-42 

5i5.5o 

553-13 

592.45     1 

38 

381.35 

4I3-32 

446.51 

480.97 

516.83 

554-21 

593-25     ! 

39 

383-56 

415.40 

448.41 

482.67 

518.28 

555.38 

59412  ; 

40 

385.96 

417.66 

450.48 

484.51 

51986 

556.66 

595.07 ! 

4i 

388.56 

420.10 

452.73 

486.51 

521.58 

558.04 

596.10 

42 

391.33 

422.75 

455-16 

488.68 

523-43 

559-54 

597.22 

43 

394-42 

425.62 

457-79 

49I.02 

525.43 

561.17 

598.44 

44 

397.69 

428.69 

460.61 

493-54 

527-59 

562.93 

599-74  ! 

46 

401.20 

432.00 

463-65 

496.25 

529.93 

564.82 

601.13  , 

404.94 

435.52 

466.90 

499- 1 5 

532.40 

566.81 

602.59  ; 

4Z 

408.93 

439.29 

470.36 

502.23 

535-02 

568.91 

604.11 

48 

413-18 

443.28 

474.02 

505.47 

537.78 

571.09 

605.66 

49 

417-67 

447.50 

477-87 

508.88 

540.64 

573-35 

607.23 

50 

422.41 

45L94 

481.93 

512.45 

543.63 

575-66 

608.81 

Am.4* 


30Yr.End 


306 

Principles 

and  Practice 

Table  No. 

CL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY 

EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE. 

1 

FOUR  PER  CENT. 

Age. 

23d 

24th 

25  th 

26th 

27th 

28th 

29th 

Year. 

Year. 

Year 

Year. 

Year. 

Year. 

Year. 

20 

629.76 

675.19 

722  85 

772.89 

825.44 

880.68 

938.79 

21 

629  77 

675.16 

722.80 

772.80 

825.34 

880.58 

938.73 

22 

629.79 

675.15 

7*2.75 

772.73 

825.25 

880.49 

938.66 

23 

629.84 

675.15 

722.71 

772.65 

825.14 

880.38 

938.58 

24 

629.92 

675.18 

722.68 

772.58 

825.04 

880.26 

938.49 

3 

630.02 

675.23 

722.66 

772.50 

824.92 

880.14 

938.40 

630.16 

675.29 

722.65 

772.42 

824.79 

880.OO 

938.30 

% 

630.33 

675.36 

722.64 

772.33 

824.65 

879.84 

938.18 

630.53 

675.46 

722.63 

772.24 

824.50 

879.67 

938.05 

29 

630.75 

675.56 

722  62 

772.14 

824.33 

879.48 

937.91 

30 

631.00 

675.68 

722.62 

772.03 

824.15 

879.27 

937-75 

31 

631.29 

675.82 

722.62 

771.90 

823.94 

879.04 

937.58 

32 

631.59 

675.96 

722.61 

771.76 

823.71 

878.78 

937.38 

33 

631.93 

676.12 

722.59 

771.60 

823.45 

878.49 

937.17 

34 

632.31 

676.29 

722.58 

77L43 

823.17 

878.17 

936.92 

35 

632.71 

676.48 

722.56 

771.23 

822.84 

877.81 

936.65 

36 

633.15 

676.67 

722.53 

77LOI 

822.48 

877.41 

936.35 

37 

633.63 

676.89 

722.49 

770.75 

822.08 

876.97 

936.02 

38 

634- 14 

677.II 

722.43 

770.47 

821.64 

876.47 

935-65 

39 

634.70 

677.35 

722.37 

770.15 

821.14 

875.92 

935  23 

40 

63530 

677.61 

722.31 

769.80 

820.59 

875.31 

934-77 

4* 

635.96 

677.89 

722.23 

769.41 

819.98 

874.63 

934.26 

42 

636.67 

678.19 

722.14 

768.98 

819.30 

873.88 

933  69 

43 

637.44 

678.51 

722.03 

768.49 

818.55 

873.04 

933o6 

44 

638.27 

678.85 

721.89 

767.94 

817.70 

872.II 

932.36 

n 

639.14 

679.18 

721.70 

767.30 

816.75 

871.07 

931.58 

640.03 

679.48 

721.44 

766.55 

815.67 

869.91 

930.72 

3 

640.92 

679  74 

721.08 

765.68 

814.46 

868.63 

929.78 

641.80 

679.92 

720.62 

764.69 

8I3.I3 

867.23 

928.74 

49 

642.63 

680.04 

720.IO 

763.62 

8H.69 

865.72 

927.60 

50 

643.47 

680. 16 

719-55 

762.51 

810.19 

864.09 

926.35 

35Yr.End. 


Am.4* 


Op  Life  Insurance. 


307 


Table  No.  CII. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  PER    CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 
27 
28 
29 

30 
31 
32 

33 

34 

U 

39 

40 

4i 
42 

43 

44 

45 


1st 

Year. 


12. II 
12.15 
I2.20 
12.25 
12.32 

12.39 
12.47 

12.57 
12.68 
12.79 

12.93 
I3.O9 
13.26 

13-44 
13.66 

13-91 
14.17 
14.48 
14.80 

15-17 

15.56 
16.01 
16.50 
17.03 
17.60 

18,23 


2d 

Year. 


24.76 
24.84 
24-93 
25.05 
25.18 

25-33 
25-49 
25.68 
25.89 
26.13 

26.41 
26.72 
27.06 
27.44 

27.88 

28.37 
28.91 
29.50 
30.16 
30.89 

3I-70 
32.60 
33.58 
34.64 

35.78 

37.02 


3d 

Year. 


37-97 
38.O9 
38.24 
38.41 
38.60 

38.82 
39-07 
39-35 
39-67 
40.03 

40.45 
40.91 

41.43 
+2.01 

42.67 

43.40 
44-21 
45." 
46.09 
47.20 

48.42 
49-77 
51.23 

52.82 
54-52 

56.36 


4  th 

Year. 


51.77 
51-93 
52.13 

52.35 
52.61 

52.91 

53-23 
53-6i 
54.o4 
54-53 

55.o8 
55.69 
56.39 
57.17 

58.05 

59.02 
60.10 
61.29 
62.62 
64.10 

65.73 
67-52 
69.47 
71-57 
73.83 

76.25 


5  th 

Year 


66.18 
66.39 
66.63 
66.91 
67.24 

67.60 
68.OI 
68.49 
69.03 
69.63 

70.32 
7I.IO 
71.96 
72.94 
74.03 

75.25 
76.59 
78.  LO 
79.76 
8l.6l 

83.64 
85.87 
88.29 
9O.9O 

93.69 

I 

96.65 


6th 

Year. 


81.24 

81.49 
81.78 
82.12 
82.50 

82.94 

83-43 
84.OO 

84.65 
85.37 

86.20 

87.13 

88.17 

89-34 
90.65 

92.IO 
9372 
95-53 
97-53 
99-74 

102.17 
104.82 
107.69 
110.78 
114.07 

117-55 


7th 

Year. 


96.98 
97.26 
97.60 
97-99 
98.44 

98.95 

99.52 

IOO.18 

IOO.93 

IOI.78 

IO2.74 
IO3.82 
IO5.O3 
106.39 
IO7.9I 

IO9.61 
III. 49 
II3.60 

115-94 
II8.50 

121.30 
124.36 
127.67 
I3I.20 

134-95 

138.92 


8th 

Year. 


II3.4I 

113.74 
II4.12 
114.56 
II5.07 

"5.65 
116.30 
II7.05 
H7.9I 

II8.87 

II9.97 
I2I.20 
122.57 
i24.ll 

125.85 

127.78 
129.94 
132.33 
134.97 

137-87 

I4L05 
144.50 
148.19 
152.14 
156.32 

160.75 


9th 

Year. 


130.59 
130.95 
131.38 
131.87 
132.44 

I33.08 
133-81 
I34-65 
I35-6I 
136.69 

137.90 
139-28 
140.81 

142.54 
144.48 

146.65 
149.06 

I5L73 
154.66 

157.89 

161.40 
165.20 
169.25 
173.58 
178.17 

183.02 


Am.4* 


35Yr.End 


3o8 


Principles  and   Practice 


Table  No.  CII. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

% 

29 

30 
31 
32 

33 

34 

a 

11 

39 

40 
41 
42 
43 
44 

45 


10th 

Year. 


11th 

Year. 


148.53 
148.93 
149.40 
149.94 
150.56 

151.27 

52.08 

53.00 

I54.06 

155.24 

156.58 
158.09 

59-79 
161.69 

63.84 

66.23 

68.87 

171.80 

175.02 

178.54 

182.35 
186.45 
190.84 
I95.52 
200.47 

205.72 


12th 

Year. 


13th 

Year. 


167.28 
167.72 
168.23 
168.81 
169.48 

170.26 

171. 13 
172.14 
173.28 
174.56 

176.02 
77.67 
179-52 
181.60 
183.93 

186.53 
189.39 
92.56 
I96.O3 
199.80 

203.88 
208.26 
2.94 
217.94 
223.22 

228.82 


186.88 

187.34 
187.88 
188.51 
189.24 

190.06 
191. OI 
192.08 

I93.3I 
194.69 

196.26 
198.04 
20O.04 
202.27 
204.78 

207.56 
210.63 
214.OI 
217.68 
221.68 

225.98 
230.61 

235.56 

240.82 
246.40 

252.29 


207.35 

207.84 
208.42 
209.09 
209.86 

210.74 

211.74 

212.88 

214.18 
215.66 

217.34 

219.23 
221.36 

223.74 

226.40 

229.35 

232  59 
236.13 
239.99 
244.16 

248.66 
253.50 
258.66 
264.16 
269.98 

276.13 


14th 

Year. 


228.75 
229.26 
229.87 

230.57 
231.38 

232.31 
233.36 
234.56 
235-94 
237.50 

239.28 
241.27 
243-52 
246.02 

248.81 

251.90 

255.27 
258.94 
262.93 
267.26 

271.92 
276.92 
282.26 

287.94 
293-95 

300.31 


15th 

Year. 


251. II 
251.65 

252.28 
253.OI 

253.85 

254-81 
255.91 
257.17 
258.61 
260.25 

262.IO 
264.19 
266.53 
269.14 
272.03 

275.21 
278.67 
282.45 
286.54 
290.98 

295.75 
300.88 
306.34 
3I2.I6 
318.32 

324.83 


16th 

Year. 


274.49 
275.04 
275.69 
276.44 
277-31 

278.3O 

279.44 
280.75 
282.24 
283.94 

285.86 
2S8.02 
290.43 
293.II 
296.06 

299.29 
302.81 
306.65 
310.81 
315.31 

320.16 
325.36 
330.90 
336.80 
343.05 

349-65 


17th 

Year. 


298.92 
299.49 
300.14 
300.91 
3OI.79 

302.81 
303.98 
305.33 
306.86 
308.61 

310.57 
312.78 
3I5.23 
3I7.94 
320.91 

324.17 
327.71 
33I-58 
335.76 
340.28 

345-16 
350.37 
355-95 
361.88 
368.15 

374-77 


18th 

Year. 


324.46 
325.03 
325.69 
326.46 
327.36 

328.40 

329-59 
330.96 
332.52 
334-29 

336.27 
338.50 
340.95 
343.65 
346.62 

349-86 
353-40 
357-24 
361.40 
365.89 

370.73 
375.93 
381.48 
387.37 
393-60 

400.18 


35Yr.End. 


Am.4* 


Of  Lifk  Insurance. 


309 


Table  No.  CII. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY  AMERICAN  EXPERIENCE, 

FOUR  PER  CENT. 


20 
21 
22 

23 

24 

II 
% 

29 

30 
31 
32 
33 
34 

35 
36 

3l 
38 

39 

40 

4i 
42 

43 
44 

45 


19th 

Year. 


351-16 
35L73 
352.39 
353.16 

354.07 

355.11 
356.31 
357.69 
359.25 
361.02 

363.OO 
365.20 
367.63 
370.29 
373.21 

376.41 

379.88 
383.66 

387.75 
392.17 

396.94 
402.05 
407.50 

413.29 
419.42 

425.89 


20th 

Year. 


379.08 
379.63 
380.29 
381.06 
381.96 

383.OO 
384.19 

385.55 
387.IO 
388.85 

390.79 
392.93 
395-29 
397-88 
400.72 

403.83 
407.20 
410.87 
414.84 
419.14 

423.77 
428.74 
434-04 
439.66 
445.62 

451-91 


31st 

Year. 


408.27 
408.81 

409.45 
410.21 
411.09 

412. II 
413.28 
414.61 
416.12 
417.80 

419.67 
421.72 
423.99 
426.47 
429.20 

432.17 
435-39 
438.91 
442.72 
446.84 

45L28 
456.04 
461.12 
466.52 
472.23 

478.23 


22d 

Year. 


438.81 
439-33 
439-95 
440.68 

441-53 

442.51 
443.64 
444.92 
446.35 
447-94 

449.70 
451.64 
453-78 
456.12 
458.68 

461.48 
464.52 
467.84 
471-43 
475-32 

479.51 
484.00 

488.79 
493  89 
499.26 

504.91 


23d 

Year. 


470.76 
47L25 

471.84 

472.53 
473-33 

474-26 
475-32 
476  51 
477.84 

479-31 

480.94 
482.74 
484.72 
486.88 
489.25 

491.83 
494.64 

497.71 
501.03 

504-63 

508.51 
512.68 
517.12 
521.83 
526.79 

532.00 


24th 

Year. 


504.20 
504.65 
505.20 

505.83 
506.58 

507.43 
508.39 
509.47 
510.67 
5I2.0I 

513.48 
5I5-IO 

516.88 
518.83 
520.97 

523.30 

525.84 
528.61 
531.62 
534.87 

538.39 
542.16 
546.18 
550.43 
554-89 

559-57 


25th 

Year. 


539-20 

539.61 
540.09 
540.67 
541.33 

542.09 
542.93 

543-88 

544-94 
546.10 

547-39 
548.81 

550.37 
552.07 

553-95 

555  99 

558.22 
560.65 
563-28 
566.15 

569.24 

572.56 
576.08 

579-79 
583.68 

58774 


26th 

Year. 


575-86 
576.21 
576.63 
577.12 
577-68 

578.32 
579.03 
579.83 
580.72 
58I.70 

582.79 
583.98 
585.29 
586.72 
588.30 

590.02 
591.90 
593-94 
596.17 
598.60 

60I.22 
604.OI 
606.97 
610.08 
613.32 

616.68 


Ami* 


35Yr.End 


310 

Principles  and  Practice 

Table  No.  CII.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE  YEAR 

ENDOWMEN  T  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE, 

FOUR  PER  CEXT. 

Age. 

27th 

Year. 

28  th 

Year. 

29th 

Year. 

30th 

Year. 

31st 

Year. 

32d 

Year. 

33d 

Year. 

34th 

Year. 

20 
21 
22 

23 

24 

614.26 
614.54 
614.88 
615.28 
615.73 

654.51 
654- 72 
654.96 
655.25 
655.58 

696.72 
696.84 
697.OO 
697.17 
697  37 

741.02 
741.06 
741.12 
741.19 
74L27 

787.56 
787.53 
787.50 
787.48 
787.46 

836.51 
836  42 
836.34 
836.24 
836.14 

888.07 
8S7.96 
887.85 
887.72 
887.59 

942.48 

942.39 
942.30 
942.20 
942.09 

u 

2 

29 

616.23 
616.80 

617.44 
618.14 
618.92 

655.95 
656.36 
656.83 
657-34 
657.91 

697.61 
697.86 
698.15 
698.48 
698.83 

741-37 
741.48 
741.60 

741-74 
741.90 

787.44 
787.42 
787.39 
787.37 
787.35 

836.04 

835-91 
835.78 
835.64 
835.48 

887.44 
887.27 
887.08 
886.88 
886.66 

941.96 
941.82 
941.67 
941.50 
941.32 

30 
31 
32 
33 
34 

619.78 
620.73 
621.77 
622.92 
624.17 

658.54 
659.23 
6^9.99 
660.83 
661.74 

699.23 
699.66 
700.14 
700.66 
701.23 

74207 
742.25 
742.46 
742.68 
742-93 

787.32 
787.29 

787.25 
787.21 
787.I7 

835.30 
835.10 
83489 
83465 
834.33 

886.41 
886.13 

885.82 
885.48 
885.11 

941. 1 1 
940.88 
940.62 
940.34 
94O.03 

It 
11 

39 

625.54 
627.04 
628.67 
630.46 
632.40 

662.74 
663.84 
665.05 
666.35 
667.79 

701.87 
702.56 
703.32 
704-15 
705.06 

743-20 
743.51 
743-84 
744.20 
744.58 

787.12 
787.07 
787/02 
786.96 
786.88 

834.09 
833.77 
833.42 
833.02 
832.58 

884.69 

884.24 
883.73 
883.17 
882.55 

939-68 
939.29 
938.87 
938.40 
937-88 

40 

4i 
42 

43 
44 

634-49 
636.72 
639.07 
641.51 
644.03 

669.32 
670.94 
672.63 
674.36 
676.II 

706.01 
707.01 
708.01 
709.01 
710.02 

744.98 
745-36 
745-71 
746.02 
746.32 

786.76 
786.60 

786.37 
786.08 

785.77 

832.08 
831.49 
830.84 
830. 1 1 
829.34 

881.85 
881.08 
880.23 
879-30 
878.30 

937-30 
936.67 
935.98 
935-22 
934.38 

45 

646.62 

677-93 

711.07 

746.66 

785.47 

828.53 

877.23 

933-47 

10P.15Yr.End. 


Am.4* 


Op    Lifp   Insurance. 


311 


Table  No.  CIII. 

TERMINAL  NET  VALUES  OF  FIFTEEN-YEAR  ENDOWMENT 

POLICIES   BY   TEN    EQUAL   ANNUAL    PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 

!  21 

!  22 
23 

24 

25 
26 
27 
28 
29 

30 
31 
32 
33 

34 

35 
36 
37 
38 
39 
40 

41 
42 

43 
44 

46 

1  4Z 
48 

49 
50 
51 
52 
53 
54 

n 
11 

59 
60 
61 
62 

64 
65 


1st 

Year. 


66.23 
66.22 
66.22 

6*6.21 
66  20 

66.20 
66.19 
66.19 
66.18 
66.17 

66.17 
66.17 
66.17 
66.15 
66.15 

66.16 
66.16 
66.16 
66.16 
66.16 

66.17 
66.19 
66.21 
66.24 
66.27 

66.32 
66.36 
66.41 
66.45 
66.48 

66.50 
66.52 
66.54 
66.55 
66.55 

66.54 

66.53 
66.52 
66.50 
66.47 

66.43 
66.36 
66.28 
66.20 
66.09 

65-93 


2d 

Year. 


35-62 
35-  60 
35-53 
35-57 
35-56 

35-55 
35-54 
35-53 
35.52 
35-50 


3d 

Year. 


208.30 
208.28 
208.26 
208.25 
208.23 

208.22 
208  20 
2o8.l8 
208.17 
208.15 

35.50  208  14 
35.49  208.I2 
35.48  2o8.II 
35.47  208.IO 
35.47  208.09 


4th 

Year. 


35.46 
35.46 
35.46 
35.46 
35.46 

35.48 
35-51 
35-55 
35-60 
35-66 

35.72 
35  79 
35.87 
35-92 
35.95 

35-97 
35.98 
35  98 
35-97 
35-94 

35-90 
35-85 
35-79 
35-71 
35-60 

35.46 
35-28 
35.o8 
34.85 
34-53 
34.12 


208.09 
208.07 
208.07 
208.06 
208.07 

208.09 
208.13 
208.18 
208.24 
208.31 

208.40 
208.48 
208.55 
208.59 
208.60 

208.60 
208.59 
208.55 
208.50 
208.42 

208.33 
208.22 
208.08 
207  90 
207.68 

207.42 
207.11 
206.74 
206.28 
205.72 

205.02 


284.46 
284.44 
284.42 
284.40 
284.38 

284.36 
284.34 
284.32 
284.30 
284.28 

284.26 
284.24 
284.23 
284.21 
284.20 

284.19 
284.18 
284.16 
284.16 
284.17 

284.20 
284.24 
284.30 
284.36 
284.44 

284.53 
284.59 
284.65 
284.66 
284.65 

284.63 

284.58 
284.51 
284.41 
284.28 

284.12 
283.94 
283.71 
283.44 
283.10 

282.71 
282.25 
281.69 
281.01 
280.18 

279.14 


5th 

Year. 


364.27 
364-25 
364.23 
364.20 
364.19 

364.16 
364.14 
364.12 
364.IO 
364.08 

364.06 
364.04 
364.02 
364.OI 
363.99 

363.98 
363.96 
363.95 
363.95 
363.97 

363.99 
364.04 
364.IO 
364.17 
364.25 

364.32 

364.37 
364.40 
364.40 
364.38 

364.32 
364  25 
364.14 
364.OI 
363.84 
363.64 

363.39 
363.IO 
362.75 
362.33 

361.84 
361.24 
360.52 
359-64 
358  56 

357-23 


6th 

Year. 


447-91 
447.89 
447.87 
447-85 
447.83 

447.81 
447-79 
447-77 
447-75 
447.73 

447.72 
447.70 
447.69 
447-67 
447.66 

447.64 
447.63 
447-63 
447.64 
447.66 

447.70 

447-75 
447.82 
447.90 
447-97 
448.03 
448.07 
448.10 
448.10 
448.07 

448.02 
447.93 
447.83 
447.69 
447.52 

447.31 
447-05 
446.74 

446.37 
445-94 

445.40 
444-75 
443-95 
442.96 

441.74 
440.22 


7th 

Year. 


535-57 
535.56 
535-54 
535-53 
535  5i 

535-50 
535-49 
535-47 
535.46 
535-45 

535-44 

535-44 
535.42 
535.42 
535-41 

535.41 
535-42 
535-43 
535-46 
535.50 

535-55 
535  62 
535-71 
535-79 
535.87 

535-95 
536.01 
536.06 
536.09 
536.09 

536.08 
53605 
536.00 
535.92 

535-81 

535.67 
535-55 
535-27 
535-00 

534-64 
534- 20 
533-64 
532.92 
532.oi 
530.85 

529-40 


8th 

Year. 


627.47 
627.46 
627.45 
627.45 
627.45 

627.45 
627.44 
627.44 
627.45 
627.45 
627.46 
627.46 
627.47 
627.48 
627.50 

627.53 
627.56 
627.60 
627.66 
627.73 

627.82 
627.93 
628.04 
628.16 
628.29 

628.41 
628.53 
628.66 
628.77 
628.88 

628.98 
629.08 
629.17 
629.25 
629.32 

629  38 
629.43 
629.45 
629.44 
629.37 

629.25 
629.02 
628.67 
628.14 
627.40 

626.43 


9th 

Year. 


723.80 
723.81 
723.82 
723.84 
723.85 

723.87 
723.89 
723.9I 

723-94 
723.97 
724.OO 
724.03 
724.07 
724.12 
724.18 

724.24 
724.32 
724.41 
724.52 
724.65 
724.80 
724.97 
725.16 
725.36 
725.58 

725.81 
726.07 
726.33 
726.62 
726.92 

727.25 
727.60 
727.97 
728.37 
728.80 

729.25 
729.73 
730.24 
730.76 
73L29 
731.82 
732.31 
732.75 

733- 10 
733.36 

733-54 


Am.4* 


10P.20Yr.End 


312 

Principles  and   Practice 

Table  No.  CIV. 

TERMINAL  NET  VALUES  OF  TWENTY-YEAR  ENDOWMENT 

POLICIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th     |     5th 

6th 

7th 

8th 

9th 

Year. 

Year. 

Year. 

Year,    j    Year. 

Year. 

Year. 

Year. 

Year. 

20 

55-21 

II3-04 

173.61 

237.07 

303.56 

373.23 

446.25 

522.77 

602.98 

21 

55-22 

II305 

173.63 

237.IO 

303.60 

373-29 

446.32 

522.86 

603.IO 

22 

55-22 

II3.06 

173.67 

237.13 

303-65 

373.35 

44640 

522.96 

603.22 

23 

55-23 

113. IO 

173.68 

237.18 

303.70 

373.42 

446.48 

523.07 

603.37 

24 

55.24 

II3.IO 

I73.72 

237-23 

303.77 

373.50 

446.58 

523-20 

603.52 

u 

55.25 

"3.13 

I73.76 

237.28  1303.84 

373-59 

446.70 

523.34 

603.69 

55.27 

II3-I6 

I73.80 

237-34 

303.91 

373.69 

446.82 

52349 

603.87 

u 

55-28 

II3.19 

173.85 

237.40 

304.01 

373.8o 

446.96 

523.65 

604.08 

55-30 

113-23 

I73-91 

237.48 

304.11 

373.92 

447.II 

523.85 

604.32 

29 

55.32 

II3.27 

173.97 

237.58 

304.22 

374.06 

447-29 

524.06 

604.57 

30 

55-35 

113.32 

174.05 

237.68 

304.35 

374- 23 

447.48 

524-30 

604.86 

31 

55-38 

113.38 

174.14 

237-79 

304.50 

374.41 

447.71 

524-57 

605.19 

32 

55-41 

113-45 

174.23 

237.93 

304.67 

374-63 

447.96 

524.87 

605.54 

33 

55-45 

113.52 

174-35 

238.08 

304.87 

374-86 

448.25 

525-21 

605.95 

34 

55-49 

113. 61 

174-49 

238.27 

305.09 

375-14 

448.57 

525-60 

606.42 

I§ 

55-55 

II372 

I74.65 

238.47 

305.35 

375-45 

448.95 

526.05 

606.96 

55.60 

113.84 

174.81 

238.70 

305.63 

375.8o 

449.38 

526.56 

607.56 

11 

55.68 

"3.97 

175.01 

238.96 

305.97 

376.21 

449.87 

527-I4 

608.26 

55-75 

114. 12 

175.24 

239.26 

306.35 

376.68 

450.43 

527.81 

609.03 

39 

55.84 

114.29 

I7550 

239.62 

306.81 

377-23 

45I.08 

528.56 

609.92 

40 

55-94 

114.49 

175.81 

240.03 

307.3I 

377.84 

451.80 

529-4I 

61O.9O 

4i 

56.06 

114.74 

176.17 

240. 50 

307.90 

378.54 

452.62 

530.36 

612.OO 

42 

56.20 

115.01 

176.57 

241.03 

308.55 

379-32 

453-53 

531-41 

613.21 

43 

56.36 

115-32 

177-03 

241.62 

309.28 

380.19 

454-53 

532-55 

614-53 

44 

56.53 

115.66 

177.52 

242.28 

310.08 

381.12 

455.61 

533-80 

615.99 

9 

56.73 

116.04 

178.08 

243.00 

310.95 

382.13 

456.78 

535-16 

617.58 

56.94 

116.45 

178.68 

243-75 

311.86 

383.21 

458.04 

536.63 

619.31 

§ 

57-17 

116.90 

r79.3i 

244.56 

312.83 

3S4.36 

459-39 

538.22 

621.20 

57.42 

117.36 

179.96 

245-39 

313.86 

385-58 

460. 84 

539.93 

622.35 

49 

57-66 

117.82 

180.63 

246.27 

314.94 

386.88 

462.38 

541.78 

625.47 

SO 

57.91 

118. 31 

181.34 

247.20 

316.09 

388.27 

464.04 

543.76 

627.88 

5i 

58.18 

118.82 

182.09 

248.18 

3I7.30 

389.74 

465.80 

545-9° 

630.48 

52 

58.46 

119-37 

182.89 

249.21 

318.59 

39L30 

467.69 

548.19 

633.28 

53 

58.76 

119.94 

183.72 

250.30 

3I9.94 

392.95 

469.70 

550.62 

636.28 

54 

59-07 

120.53 

184.58 

251-43 

321.36 

394-68 

471.81 

553-21 

639-50 

P 

59-39 

121. 15 

185.47 

252.61 

322.83 

396.49 

474.02 

555-94 

642.92 

59-71 

121.78 

186  40 

253-82 

324.35 

398.36 

476.32 

558.81 

646.54 

11 

60.05 

122.43 

187-34 

255.06 

32590 

400.27 

478.69 

561.79 

650.33 

60.40 

123.09 

188  29 

256.30 

327.46 

402.21 

481.12 

564.85 

654.28 

59 

60.74 

123.74 

189.23 

257-52 

329.00 

404.15 

483.55 

567.97 

658.37 

60 

61.08 

124-37 

190.14 

258.73 

330.53 

406.06 

485.97 

571-11 

662.55 

10P.25Yr.End. 


Am.4* 


Of  Life   Insurance. 


313 


. 

Table  No.  CV. 

TERMINAL  NET  VALUES  OF  TWENTY-FIVE-YEAR  ENDOW- 

MENT POLICIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 
Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5  th 

Year. 

6th 

Year. 

7th 

Year. 

8th 

Year. 

9  th 

Year. 

20 
21 
22 

23 

24 

46.58 
46.60 
46.63 
46.66 
46.69 

95.36 
95-40 
95.46 
95.52 
95.60 

146.44 
146.52 
146.60 
146.71 
146.82 

199-95 
200.06 
200.I8 
200.32 
200.47 

256.OI 
256.15 
256.31 
256.48 
256.68 

314-74 
314.92 
SIS-" 
315.32 
315.56 

376.28 
376.49 
376.73 
376.98 
377.27 

440-77 
441.02 
44I.3O 
441.60 
44I.94 

508.36 
508.65 
508.98 
509.33 
509.73 

3 

29 

46.74 
46.78 
46.83 
46.89 
46.95 

95-68 

95-77 

95-88 

95-99 
96.12 

146.94 
147.08 
147.24 
147.41 
147.61 

200.64 
200.82 
201.03 
201.28 
201.54 

256.89 
257.13 
257.40 
257.70 
258.04 

3I5-83 
3I6.I2 

316.45 
316.82 

3I7.24 

377-59 
377-94 

378.34 
378.78 
379-28 

442.32 
442.73 
443.19 
443.72 
444.30 

5IO.I7 
510.65 
511. 19 
5H.80 
512.48 

30 
31 
32 
33 

34 

47.02 

47-ii 
47.20 
47-30 
47.42 

96.27 
96.44 
96.62 
96.83 
97.08 

147.84 
I48.O9 

148.37 
148.70 
149.07 

2OI.85 
202.19 
202.58 
203.OI 
203.51 

258.43 
258.86 

259-35 
259.91 
260.53 

317.71 
318.24 
318.84 
3I9-5I 
320.27 

379-84 
380.47 
381.18 
381.98 
382.88 

444.96 
445-70 
446.53 
447.46 
448.51 

513.23 
514.09 
5I5.04 
5I6.I2 

517.34 

36 
37 
38 
39 

47-57 
47-71 
47.89 
48.07 
48.29 

97.36 
97.66 
98.00 

98.38 
98.81 

149.48 
149.94 
150.46 
I5I-03 
151.68 

204.06 
204.68 
205.38 
206.16 
207.04 

261.23 
262.01 
262.89 
263.88 
265.00 

321.12 
322.08 
323-I5 
324-36 
325.71 

383.89 
385.03 
386.31 
387.74 
389-34 

449.69 
45I-02 

452.51 
454.18 
456.04 

518.71 
520.24 
521.96 
523.87 
526.OO 

40 

4i 
42 

43 

44 

48.52 
48.80 
49.10 

49-43 
49.80 

99.29 

99.84 

100  44 

IOI.II 

101.85 

152.41 
153.24 
154.15 
I55.I6 
156.25 

208.02 
209.12 
210.34 
211.68 
213.14 

266.24 
267.63 
269.15 
270.83 
272.65 

327.22 
328.89 
330.73 
332.75 
334-93 

391. 11 

393-o8 
395-24 
397.60 
400.14 

458.IO 
460.37 
462.86 

465.57 
468.51 

528.36 
530.95 
533-79 
536.89 
540.26 

46 

47 
48 

49 

50.20 
50.63 

51  10 
51.60 

52  II 

102.65 

103-51 
104.44 
105.40 
106.41 

157.45 
158.73 
160.IO 

I6I.53 
163.03 

214-73 
216.42 
218.22 
220.11 
222.11 

274.62 
276.72 
278.96 
281.32 

283.83 

337.28 
339.8o 
342.48 
345-35 
348.38 

402.90 
405.85 
409  02 
412.41 
416.00 

471.69 
475-12 

478  8l 
482.76 
486.97 

543-91 

547-87 
552.14 
557,72 
561.63 

50 
5i 
52 
53 
54 

52.64 
53-2o 
53-78 
54-39 
55-oi 

107.47 
108.57 
109.74 
110.93 
112. 16 

164.61 
166.27 
167.99 
169.79 
172.62 

224.22 
226.43 
228.73 
231.12 
233-58 

286.47 
289.25 
292.15 
295.16 

298.28 

351-59 
354.96 

358.50 
362.18 
365.98 

419.81 
423.84 
428.06 
432-47 
437-04 

491-45 
496. 20 
501.20 
506.43 

511.87 

566.87 
572.45 
578.33 
584.52 
590.99 

55 

55-64 

113-42 

173.51 

236.11 

301.47 

369.89 

441.75 

5I7.50 

597-73 



Am.4% 


10P.30Yr.End 


314 

Principles  and   Practice 

Table  No.  CVI. 

i  TERMINAL  NET  VALUES  OF    THIRTY-YEAR  ENDOWMENT 

POLICIES    BY    TEN    EQUAL   ANNUAL   PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

8th 

9th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

39-86 

81.59 

125.30 

171.07 

219.OI 

269.23 

321.84 

376.96 

434-72J 

21 

39-91 

81.70 

125.45 

171.28 

219.29 

269.57 

322.25 

377-45 

435.29 

22 

39-96 

8l.8l 

125.63 

171.53 

219.60 

269.96 

322.72 

377-99 

435-  91  i 

23 

40.03 

81.94 

125.84 

171. 8l 

219.96 

270.39 

323.23 

378.59 

436.61 

24 

40.10 

82.IO 

126.07 

172. II 

220.35 

270.87 

323.80 

379-26 

437.38 

2 

40.19 

82.26 

126.32 

172.46 

220.78 

27I.4O 

324.44 

380.01 

438.24 

40.27 

82.44 

I26.60 

172.84 

221.27 

272.OO 

325.I5 

380.84 

439.20 

u 

40.38 

82.65 

I26.9I 

173.26 

221.82 

272.67 

325-94 

381.76 

440.27 

40.49 

82.88 

127.27 

173-75 

222.43 

273.41 

326.83 

382.80 

441.46 

29 

40.62 

83.14 

127.66 

174.29 

223.II 

274-25 

327.83 

383.96 

442  80  ; 

i 

30 

40.76 

83.43 

i2S.II 

174.89 

223.87 

275.19 

328.94 

385.26 

444.29  1 

31 

40.92 

83.76 

I28.6I 

I75.56 

224.72 

276.23 

330.I8 

386.71 

445-96| 

32 

41.II 

84.12 

129.16 

176.31 

225.69 

277.40 

33L57 

388.33 

447.81  1 

33 

41.30 

84.53 

129.78 

177.15 

226.76 

278.70 

333-u 

390.12 

449-88  ! 

34 

41.52 

84  99 

130.47 

I78.O9 

227.94 

280.15 

334-83 

392.13 

452.19! 

it 

41.78 

85-50 

I3L25 

I79-J3 

229.26 

281.75 

336.74 

394- 36 

454-75! 

42.05 

86.05 

I32.O9 

180.28 

230.72 

283.54 

338.86 

396.83 

457-6o  | 

U 

42.36 

86.67 

I33-04 

181.55 

23234 

285.52 

341.22 

399-57 

460.74; 

42.69 

87.35 

13407 

182.96 

234- 1 3 

287.70 

343-81 

402.59 

464.21  \ 

39 

43-07 

88.11 

135-23 

184.52 

236.11 

290.12 

346.67 

405.92 

468.02 

40 

43-48 

88.94 

136.49 

186.24 

238.29 

292.77 

349.81 

409.56 

472.18 

4i 

43-93 

89.  S6 

I37.89 

188.12 

240.68 

295.66 

353-23 

413.53 

476.71 

42 

44-43 

90.86 

139-42 

190.18 

243.28 

298.81 

356.95 

417.82 

481.62 

43 

44.98 

91.97 

I4I.08 

192.41 

246.08 

302.22 

360.95 

422.45 

486  91 

44 

45.56 

93-15 

142  86 

194.81 

249.10 

305.86 

365-24 

427.42 

492.60 

* 

46.20 

94.42 

144.78 

19738 

252.32 

309-74 

369.82 

432.73 

498.70 

46.86 

95-77 

146.82 

200.09 

255  72 

313.86 

374.67 

438.37 

505.18 

% 

47-57 

97.19 

148.94 

202.93 

259.29 

3I8.I8 

379-79 

444-33 

512.06  ■ 

48.33 

98.69 

I5I-I7 

205.91 

263.04 

322.73 

384.58 

450.62 

5I9-32 

49 

49.09 

100.21 

153.47 

208.99 

266.93 

327.47 

390.81 

457-20 

52695 

50 

49.88 

101.79 

155.85 

212.19 

270.97 

332.39 

396.66 

464.07 

534-94 

10P.35Yr.End. 


Am.4% 


Of  Life   Insurance. 


3i5 


Table  No.  CVII. 
TERMINAL  NET  VALUES  OF  THIRTY-FIVE-YEAR  ENDOW- 
MENT POLICIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS, 
AMERICAN  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 
27 
28 
29 

30 
31 
32 

33 

34 

36 
37 
38 
39 

40 

4i 
42 

43 
44 

45 


1st 

Year. 


34-69 
34-78 
34-88 

34-99 
35-11 

35.26 
35-41 
35-58 
35.78 
35.98 

36.22 

36.49 
36.78 
37-09 
37-45 

37.84 
38.27 
38.74 
39-23 
39-79 

40.38 
41.03 
41.72 
42.47 
43.26 

44  10 


2d 

Year. 


7I.OI 
71.19 
71.39 
71.62 

71.88 

72.16 
72.47 
72.83 
73-22 
73-65 

74.13 

74.67 
75.26 

75.91 
76.63 

77-43 
78.29 

79-23 
80.26 
81.38 

82.59 
83.90 
85-32 
86.83 
88.43 

90.12 


3d 

Year. 


IO9.03 
IO9.3I 
IO9.62 
IO9.98 
HO.37 

IIO.80 
III. 28 
III. 82 
112. 41 
II3.08 

113.82 
II4.63 
H5-53 
116.53 
117.63 

II8.84 
120.15 
121.59 
I23.16 
I24.87 

126.72 

128.73 
I3O.87 

I33-I7 
135.59 

138.15 


4th 

Year. 


148.85 
149.23 
149.66 

I50.I4 
150.66 

151.26 
151. 91 
152.64 
153.45 
154.35 

155.35 
156.45 
157.68 

I59.03 
160.53 

162.16 

163.95 
165.90 
168.03. 
170.35 

172.87 

175.58 
178.48 
181.58 
184.85 

188.30 


5th 

Year. 


190.55 
I9I.04 

I9L58 
I92.I9 
192.87 

I93.62 
194.45 
I95.38 
I96.42 
197.56 

198.83 
200.25 
20I.8I 

203.53 
205.42 

207.50 
209.77 
212.27 
214.98 
217.93 

221.13 

224.57 
228.25 
232.17 
236.31 

240.65 


6th 

Year. 


234.22 
234.82 

235-49 
236.23 
237.06 

237.98 
238.9O 
240.14 
24I.4O 
242.81 

244.37 
246.09 
248.OO 
250.IO 
252.42 

254.96 
257.74 
260.79 
264.II 
267.72 

271.62 
275.81 
280.29 
285.06 
290.07 

295-33 


7th 

Year. 


279.97 
280.68 
281.48 
282.36 
283.35 

284.44 
285.66 
287.02 
288.52 
290.20 

292.05 
294.II 
296.37 

298.87 
301.63 

304  65 
307.97 

311-59 
315-54 
3I9-83 

324-45 
329.42 
334.73 
340.36 
346.28 

352.50 


8th 

Year. 


327-88 
328.72 
329-65 
330.69 

33I-84 
333-12 

334-54 
336.13 

337-88 

339.83 

342.00 
344-39 
347.04 
349-95 
353-17 

356.70 
360.57 
364.79 
369-39 
374.38 

379.76 

385.54 
391.69 
398.22 
405-10 

4*2.33 


9th 

Year. 


378.09 

379-°5 
380.12 
381.32 
382.65 

384.12 
385.76 
387.57 
389.60 
391.84 

394-33 
397.08 
4OO.  1 1 

403.47 
407.16 

411.22 
415.67 
420  53 
425.80 
431-53 

437.70 
444  30 
45L35 
458  82 
466.72 

475-03 


The  American 
Experience  Table  of  Mortality 


NET  PREMIUMS  AND  NET  VALUES 


COMPUTED    THEREFROM 
ON    THE    BASIS    OF 


FOUR  AND  ONE-HALF  PER   CENT  INTEREST. 


Am.4^ 


Comm, 


318 

Principles 

and  Practice 

Table  No.  CVIII. 

COMMUTATION  COLUMNS,  AMERICAN  EXPERIENCE, 

FOUR  AND  ONE-HALF  PER  CENT. 

Age. 

A 

** 

cx 

Mx 

K 

10 

64,392.77 

1,214  144.11 

461.5329 

12,109.051 

322,708.03 

11 

61,158.34 

1,149.751.32 

439-8892 

11,647.519 

310,598.98 

12 

58,084.84 

1,088,592.98 

419-2538 

11.207.629 

298,951.46 

13 

55.164.32 

1,030,508.14 

399.5799 

10,788.375 

287.743.83 

14 

52,389.25 

975,343  82 

380.8230 

10,388.796 

276,955.46 

\i 

49,752.43 

922  954.57 

363-4350 

10,007.973 

266,566.66 

47,246.54 

873,202.15 

346.3651 

9,644.538 

256,558.69 

\l 

44,865.64 

825,955.60 

330.0915 

9.298.173 

246.914.15 

42.603.53 

781  089.96 

315.0104 

8,968.081 

237.615.98 

19 

40,453.92 

738,486.43 

300.6161 

8,653.071 

228,647.90 

20 

38,411.27 

698,032.51 

286.8773 

8,352.455 

219,994.83 

21 

36,470.32 

659.621.24 

274.1440 

8,065.577 

211,642.37 

22 

34,625.68 

623,150.92 

261.9754 

7.791-433 

203.576.79 

23 

32,872.65 

588,525.23 

250,3465 

7,529.458 

195-785-36 

24 

31,206.73 

555,652.58 

239-2333 

7,279.111 

188,255.90 

% 

29,623.67 

524,445.85 

228.6130 

7.039-878 

180,976.79 

28,119.40 

494.822.18 

218.7684 

6.811.265 

173,936.91 

% 

26  689.75 

466,702.78 

2  '9-3478 

6,592.497 

167  125.65 

25  331.08 

440,013.04 

200.3328 

6.383.149 

160,533.15 

29 

24,039.93 

414,681.96 

191.9730 

6,182.816 

154,150.00 

30 

22,812.75 

390,642.02 

183.9617 

5,990.843 

147,967.19 

31 

21,646.42 

367,829.28 

176.2844 

5  806.801 

141,976.34 

32 

20.537-99 

346,182  86 

169.1612 

5.630.597 

136,169.46 

33 

19.484.42 

325.644.86 

162.5484 

5  461.436 

130.538.87 

34 

18,482.83 

306,160.44 

156.1915 

5,298.887 

125,077.43 

35 

17,530.73 

287,677.61 

150.0806 

5,142.696 

119,778.54 

36 

16,625.73 

270,146.89 

144.5988 

4,992.615 

114,635.85 

12 

15,765.20 

253,521.15 

139.3108 

4,848.016 

109,643.23 

14  947.00 

237,755.96 

134.5695 

4.708.706 

104,795.22 

39 

14,168.78 

222,808.96 

129.9781 

4,574.136 

100,086.51 

40 

13,428.66 

208,640.18 

125.8617 

4444.158 

95.512.375 

41 

12,724-53 

195,211.51 

121.8588 

4,318.296 

91,068.217 

42 

12,054.73 

182,486.98 

118.2685 

4.196.438 

86,749.920 

43 

11,417.36 

170,432.25 

114.9057 

4.078.169 

82,553.483 

44 

10,810.79 

159,014.90 

112. 0271 

3,963.263 

78,475.314 

45 

10,233.23 

148,204.10 

109.3153 

3,851.236 

74,512.050 

46 

9.683.250 

137,970.87 

I07.I347 

3.74L  921 

70,660.814 

47 

9.i59-!33 

128,287.62 

105.1810 

3.634.786 

66,918.893 

48 

8,659.542 

119,128.49 

103  6597 

3.529.605 

63  284.107 

49 

8,182.981 

110,468.95 

102.6278 

3,425.946 

59,754.502 

50 

7,727.976 

102,285.96 

iOi.gi64 

3.323.318 

56  328.556 

51 

7,293.276 

94,557  992 

101.4815 

3,221.401 

53,005.239 

52 

6,877.730 

87,264.715 

101.2831 

3,119.920 

49-783-837 

53 

6,480.277 

80,386.985 

101.2850 

3,018.637 

46,663.918 

54 

6,099.937 

73,906.705 

101.5431, 

2,917.352 

43,645.281 

Comm. 


Am.4^ 


Op  Life  Insurance. 

319 

Table  No.  CVIIL— Concluded. 

COMMUTATION  COLUMNS,  AMERICAN  EXPERIENCE, 

FOUR  AND  ONE-HALF 

PER  CENT. 

w 

0 

< 

Dn 

K 

cx 

K 

*- 

55 

5,735.717 

67,806.768 

101.9312 

2,815.809 

40,727.929 

56 

5,386.794 

62,071.052 

102.5043 

2,713-877 

37,912.121 

U 

5,052.322 

56,684.258 

103.1504 

2  611.373 

35,198.243 

4,731.609 

51,631.936 

103.8488 

2,508.223 

32,586.870 

59 

4,424.005 

46,900.329 

104.6523 

2,404.374 

30,078.647 

60 

4,128.846 

42,476.324 

105.4668 

2,299.722 

27,674.274 

61 

3,845.582 

38,347.478 

106.2782 

2,194.255 

25.374-552 

62 

3,573.704 

34,501.897 

107.0117 

2,087.977 

23,180.297 

63 

3,312.801 

30,928.193 

107.6044 

1,980.965 

21,092.320 

64 

3,062.540 

27,615.392 

108.0620 

1,873.361 

19,111.356 

65 

2,822.598 

24,552.851 

108.3902 

1,765.299 

17,237.995 

66  12,592.661 

21,730.253 

108.4373 

1,656.908 

15,472.697 

67 

2,372.578 

i9,I37-592 

108.1792 

1,548.471 

13,815.788 

68 

2,162.230 

16,765.014 

107.5983 

1,440.292 

12.267.317 

69 

1,961.522 

14,602.784 

106.5454 

1,332.694 

10,827.025 

70 

1,770.509 

12,641.263 

105.0323 

1,226.148 

9.494.3319 

7i 

1,589-234 

10,870.754 

102.9055 

1,121.116 

8,268.1839 

72 

1,417.893 

9.281.520 

100.0430 

1,018.210 

7,147.0681 

73 

1,256.792 

7,863.627 

96.42778 

918.1673 

6,128.8578 

74 

1,106.244 

6,606.834 

92.12806 

821.7395 

5,210.6905  ' 

75 

966.4790 

5,500.590 

87.27957 

729.6114 

4,388.9510 

76 

837.5807 

4,534-in 

82.00317 

642.3319 

3,659-3395 

77 

7i9.5^95 

3  696  530 

76.47059 

560.3287 

3  017.0077 

78 

612.0552 

2,977.021 

70.76821 

483-8581 

2,456.6789 

79 

514.9306 

2,364.966 

64.91260 

413-0899 

1,972.8208 

80 

427.8440 

1,850.035 

59'!4724 

348.1773 

1,559-7309 

81 

350.2727 

1  422.191 

53-16253 

289.0301 

1,211.5536 

82 

282.0267 

1,071.9185 

47.03961 

235.8675 

922.52352 

83 

222.8424 

789.89177 

40.84970 

188.8279 

686.65598 

84 

172.3966 

567.04938 

34.86844 

147.9782 

497.82805 

85 

130.1044 

394.65274 

29.32659 

113. 1098 

349.84982 

86 

95.17523 

264.54837 

24.19736 

83.78319 

236.74004 

87 

66.87940 

169.37314 

I9.393I4 

59.^583 

152.95684 

88 

44.60629 

102.49372 

14.79868 

40.19269 

93-37098 

89 

27.88676 

57.88742 

10.56396 

25.39401 

53.178320 

90 

16.12194 

30.00064 

7.012586 

14.83005 

27.784310 

9i 

8.415106 

13.87871 

4.287819 

7.8174567 

12.954265 

92 

3-7&491 5 

5.463611 

2.285102 

3.5296396 

5.1368062 

93 

1. 317687 

1.698697 

.9257562 

1.2445372 

1. 6071665 

94 

0.335188 

0.381009 

.2749318 

.3187806 

.36262938 

95 

0.045822 

0.045822 

.04384S8 

.0438488 

.04384878 

AmAl% 


Logs 


320 

Principles 

and  Practice 

Table  No.  CIX. 

LOGARITHMS  OF  COMMUTATION  COLUMNS,  AMERICAN 

EXPERIENCE, 

FOUR  AND  ONE-HALF  PER  CENT  ;  ALSO 

LOGARITHMS  OF  PROBABILITY  OF  DYING  AND 

OF  THE  ANNUITY  OF  $i 

,  FIRST 

PAYMENT  IMMEDIATE. 

Age. 

AZ>X 

1NX 

1MX 

X~DX=      * 

10 

4.808  8371 

6.084  2702 

4.083  JIOI 

7.8744818 

1.275  4331 

11 

4  7864557 

6.060  6039 

4.066  2334 

7.876  0039 

1.274  J48i 

12 

4.764  0628 

6.036  8655 

4.049  5137 

7-877  5305 

1.272  8027 

13 

4-741  6583 

6.013  0514 

4.032  9560 

7.879  0616 

1-271  3931 

14 

4.7192422 

5.989  1577 

4.016  5652 

7.880  5973 

1.269  QI56 

3 

4.696  8143 

5.965  1804 

4.000  3461 

7.882  7287 

1.268  3660 

4.674  3700 

5.941  1148 

3.984  2814 

7.884  2S04 

1.266  7448 

12 

4.651  9139 

5.9169567 

3.968  3976 

7.885  8367 

1.265  0428 

4.629  4457 

5.892  7011 

3.952  6995 

7.887  9955 

1.263  2554 

19 

4.606  9607 

5-868  3425 

3.937  1702 

7.890  1679 

1. 261  3818 

20 

4.5844587 

5.843  8757 

3.921  8141 

7.892  3538 

1.259  4169 

21 

4.561  9396 

5.819  2946 

3.906  6355 

7.895  1555 

1.257  3550 

22 

4.539  3983 

5-794  5932 

3.891  6174 

7.897  9786 

1.255  1948 

23 

4.5168347 

5.7697651 

3.8767637 

7.900  8231 

1.252  9304 

24 

4.494  2483 

5.7448033 

3.862  07S4 

7.903  6896 

1.2505550 

U 

4.471  6389 

5.719  7007 

3.847  5651 

7.906  5783 

1.248  0618 

4.449  0060 

5.694  4491 

3.833  2278 

7.910  0948 

1.245  4431 

11 

4.426  3445 

5.669  0404 

3.8190499 

7.913  6401 

1.242  6960 

4.403  6537 

5.643  4655 

3.805  0350 

7.917  2146 

1.239  8118 

29 

4.380  9333 

5.617  7150 

3.791  1863 

,7.921  4232 

1.236  7817 

30 

4.358  1776 

5.591  7790 

3.7774879 

7.925  6662 

1.233  6013 

31 

4-335  3861 

5.565  6463 

3.763  9429 

7.929  9442 

1.230  2602 

32 

4-312  5579 

5.539  3056 

3-750  5545 

7.934  8590 

1.226  7476 

33 

4.289  6875 

5.512  7442 

3.737  3068 

7.9404115 

1.223  0567 

34 

4.266  7685 

5.485  9490 

3.724  1847 

7.946  0052 

1. 219  1806 

9 

4.243  7999 

5.458  9061 

3.711  1908 

7.951  6410 

1. 215  1062 

4.220  7809 

5.431  6000 

3.698  3281 

7.958  5002 

1. 210  8191 

37 

4.1976994 

5  404  0142 

3.685  5641 

7.965  4018 

1.206  3149 

38 

4.174  5540 

5.376  1314 

3.672  9015 

7-973  5087 

1. 201  5774 

39 

4.151  3324 

5.347  9327 

3.660  3091 

7.981  6540 

1. 196  6002 

40 

4.128  0328 

5.319  3980 

3.647  7895 

7.990  9770 

1. 191  3652 

41 

4.104  6419 

5.290  5055 

3.635  3124 

8.000  3312 

1. 185  8636 

42 

4.081  1574 

5.261  2319 

3.622  8808 

8.010  8281 

1. 180  0745 

43 

4.057  5656 

5-23t  5517 

3.610  4652 

8.021  8922 

1. 173  9862 

44 

4-033  8576 

5.201  4378 

3.598  0529 

8.034  5816 

1. 167  5802 

45 

4.010  0128 

5.170  8602 

3.585  6002 

8.047  7845 

1. 160  8474 

46 

3.986  0212 

5.139  7874 

3.5730946 

8.063  0254 

1. 153  7662 

8 

3.961  8544 

5.108  1848 

3.5604789 

8.079  1993 

1. 146  3303 

3.937  4948 

5.0760157 

3.547  7261 

8.097  2312 

1. 138  5208 

49 

3.912  9116 

5.043  2402 

3-534  7805 

8. 1 17  4699 

1. 130  3287    j 

50 

3.888  0658 

5.009  8161 

3.521  5718 

8.139  2948 

1.121  7503 

51 

3.862  9227 

4-975  6983 

3.5080449 

8.162  5806 

1. 112  7755 

52 

3.837  4451 

4.940  8387 

3.494  1434 

8.187  2083 

1. 103  3936 

Logs. 


Am.4J* 


Of  Ljfs 

Insurance. 

321 

Table  No.  CIX.— Concluded. 

LOGARITHMS  OF  COMMUTATION  COLUMNS,  AMERICAN 

EXPERIENCE, 

FOUR  AND  ONE-HALF  PER  CENT  ;  ALSO 

LOGARITHMS  OF  PROBABILITY  OF  DYING  AND 

OF  THE  ANNUITY  OF  $1,  FIRST 

PAYMENT  IMMEDIATE. 

Age. 

*&, 

**rm 

^Mx 

Ajr=AAx 

■*■  X 

53 

3.811  5936 

4-905  1857 

3.479  8109 

8.213  0678 

I.O93  5922 

54 

3-785  3253 

4.868  6839 

3.464  9888 

8.24O  4412 

LO83  3585 

55 

3.758  5877 

4.831  2730 

3.449  6031 

8.268  8355 

I.O72  6853 

56 

3.731  3304 

4.792  8891 

3.433  5902 

8.298  5279 

I. o6l  5588 

57 

3.7034910 

4.7534625 

3.416  8689 

8.329  0963 

I.O49  9714 

58 

3.675  0087 

4.712  9184 

3.399  3661 

8.360  5092 

I.O37  9097 

59 

3.645  8156 

4.671  1759 

3.381  0020 

8.3930493 

I.025  3603 

6o 

3.615  8286 

4.628  1469 

3.361  6753 

8.426  4034 

I. OI2  3183 

6i 

3.584  9620 

4.583  7368 

3.341  2871 

8.460  5987 

O.998  7748 

62 

3-553  1186 

4-537  8430 

3.319  7256 

8.495  4288 

O.984  7244 

63 

3.520  1953 

4.490  3545 

3.296  8768 

8.530  7509 

O.970  1592 

64 

3.4860818 

4.441  1512 

3.272  6213 

8.566  7076 

O.955  0694 

65 

3.450  6490 

4.390  1020 

3.246  8181 

8.^03  4573 

O.939  4529 

66 

3.4I3  7457 

4.337  0648 

3.219  2985 

8.640  5494 

O.923  319O 

67 

3-375  2204 

4.281  8873 

3.189  9031 

8.678  0395 

O.906  6669 

68 

3.334  9019 

4.224  4040 

3-1584505 

8.716  0196 

0.889  5°2° 

69 

3.292  5931 

4.1644357 

3.1247303 

8.754  0580 

0.871  8426 

70 

3.248  0981 

4.101  7904 

3.088  5429 

8.792  3412 

0.853  6923 

7i 

3.201  1880 

4.036  2597 

3.049  6505 

8.830  3668 

0.8350717 

72 

3. 1 51  6434 

3.967  6191 

3.007  8375 

8.867  6595 

0.815  9757 

73 

3.099  2636 

3.895  6229 

2.962  9218 

8.904  0550 

0.796  3593 

74 

3-043  8511 

3.8199934 

2.914  7341 

8-939  6572 

0.776  1424 

75 

2.985  1924 

3.7404093 

2.863  0917 

8-974  8364 

o.755  2169 

76 

2.923  0267 

3.656  4922 

2.807  7595 

9.009  9203 

o.733  4655 

77 

2.857  0365 

3-567  7943 

2.748  4429 

9.045  5742 

0.7107577 

78 

2.786  7906 

3-473  78r8 

2.684  7180 

9.082  1639 

0.689  9913 

79 

2. 711  7487 

3.373  8248 

2.616  0446 

9.  rig  6967 

0.662  0761 

80 

2.631  2854 

3.267  1799 

2.541  8004 

9.159  7654 

0.635  8945 

81 

2.5444063 

3.152  9580 

2.460  9430 

9.200  3156 

0.608  5516 

82 

2.450  2902 

3.030  1616 

2.372  6682 

9.241  2898 

0.5798715 

83 

2.347  9978 

2.897  5676 

2.276  0662 

9.282  3073 

o.549  5698 

84 

2.236  5287 

2.753  6209 

2.170  1978 

9.325  0202 

0.517  0921 

85 

2. 114  2919 

2.596  2151 

2.053  5002 

9.372  0859 

0.481  9233    1 

86 

1.978  5239 

2.422  5051 

1.923  1569 

9.424  3603 

0.443  9812 

87 

1.825  2925 

2.228  8444 

1  775  1430 

9.481  4719 

0.403  5521 

88 

1.649  396i 

2.010  6972 

1.604  1471 

9.539  9432 

0.361  3010 

89 

1.445  398i 

1.762  5841 

1.404  7313 

9-597  5450 

0.317  1861 

90 

1.207  4173 

1.477  1308 

1.171  x425 

9-657  5773 

0.269  7134 

9i 

0.925  0595 

1. 142  3493 

0  893  0656 

9.726  2931 

0.217  2898 

92 

o.575  7551 

0.737  4798 

0.547  7304 

9.802  2668 

0.161  7247 

93 

0.119  8122 

0.230  1158 

0.095  0079 

9.865  8009 

o.no  3038 

94 

9.525  2881 

9.580  9361 

9.5034919 

9-933  0532 

0.055  6484 

95 

8.661  0737 

8.661  0737 

8.641  9573 

0.000  0000 

0.000  0000 

Am.  Ex. 


Ann 


322 

/ 

Principles  and   Practice 

Table  No.  CX. 

T 

! 

ANNUITIES  FOR  WHOLE  LIFE,  FIRST  PAYMENT  IMMEDI- 

ATE 

,  AMERICAN  EXPERIENCE  TABLE  OF  MORTALITY. 

Age. 

Four 
Per  Cent. 

Four  and 
One-Half 
Per  Cent 

Six 
Per  Cent. 

Age. 

Four 
Per  Cent. 

Four  and 
One- Half 
Per  Cent. 

Six 
Per  Cent. 

10 

20.414 

18.855 

15.293 

53 

12.944 

I2.405 

II.OO9 

II 

20.343 

18.800 

I5-265 

54 

12.628 

12. Il6 

IO.786 

12 

20.269 

18.741 

I5.236 

55 

12.307 

11.822 

IO.556 

13 

20.192 

l8.68l 

15.204 

56 

II.982 

11.523 

IO.321 

14 

20.II2 

18.617 

15.171 

57 

11.653 

II. 219 

IO.081 

15 

20.028 

I8.55I 

15-137 

58 

II. 321 

IO.912 

9-836 

16 

19.942 

18.482 

15.IOO 

00 

IO.985 

IO.60I 

9.586 

\l 

I9-85I 

18.4-9 

15.062 

IO.648 

IO.288 

9-332 

19-757 

18.334 

I5-02I 

61 

IO.309 

9.972 

9.074 

19 

19.660 

18.255 

14.978 

62 

9.969 

9-654 

8.813 

20 

19.558 

18.173 

14.932 

63 

9.630 

9.336 

8-549 

21 

19-452 

18.086 

14-885 

64 

9.29O 

9.OI7 

8.283 

22 

I9-342 

17-997 

14.834 

U 

8.952 

8.699 

8^016, 

23 

19.228 

17.903 

14.781 

8.616 

8.381 

7-747 

24 

I9.IO9 

I7-805 

14.725 

67 

8.282 

8.066 

7-479 

3 

18.985 

17.704 

14.666 

68 

7.952 

7-754 

7.212 

18.857 

17-597 

14.604 

69 

7.627 

7-445 

6-945 

3 

18.723 

17.486 

14.538 

70 

7-307 

7.I4O 

6.681 

18.585 

I7.370 

14.469 

7i 

6-993 

6.840 

6.420 

29 

18.440 

17-250 

14.396 

72 

6.685 

6.546 

6.163 

30 

18.291 

17.124 

14.320 

73 

6.383 

6.257 

5.908 

31 

18.135 

16.993 

14.239 

74 

6.086 

5-972 

5.656 

32 

17-973 

16.856 

14.154 

H 

5-794 

5.691 

5.406 

33 

17.806 

16.713 

14.064 

5.505 

5-413 

5.157 

34 

17.632 

16.565 

13.969 

77 

5.219 

5-138 

4.908 

35 

17-451 

16.410 

I3-870 

78 

4.936 

4.864 

4.660 

36 

17.263 

16.249 

13.765 

11 

4.656 

4-593 

4-413 

11 

17.069 

16.081 

I3.655 

4.380 

4-324 

4.167 

16.868 

15.907 

I3-540 

81 

4.108 

4.060 

3-924 

39 

16.659 

I5-725 

13.418 

82 

3.842 

3.801 

3.683 

40 

16.443 

15-537 

I3-29I 

P 

3.58o 

3-545 

3-445 

4i 

16.220 

I5-34I 

13-157 

84 

3.318 

3.289 

3-205 

42 

15.988 

15.138 

I3-OI7 

y 

3-057 

3-033 

2.964 

43 

15-749 

14.927  , 

12.870 

2.799 

2.780 

2.724 

44 

15.502 

14.709 

12.716 

87 

2.548 

2-532 

2.488 

45 

15.248 

14.483 

12-555 

88 

2.310 

2.298 

2.263 

46 

14.985 

14.248 

12.386 

89 

2.085 

2.076 

2.050 

47 

14.714 

14.006 

12. 211 

90 

1.867 

1. 861 

1.842 

48 

I4-436 

13-757 

I2.028 

9i 

1.654 

1.649 

1.637 

49 

14.151 

13-500 

II.838 

92 

1-454 

1.451 

1-443 

50 

13.858 

13.236 

II.64O 

93 

1. 291 

1.289 

1.285 

5i 

13-559 

12.965 

11.436 

94 

I-I37 

I-I37 

1. 135 

52 

13-255 

12.688 

11.226 

95 

1. 000 

m* 

1. 000 

1 

TermPrems. 


AmAl% 


Of   Life   Insurance. 

323 

Table  No.  CXI. 

NET  ANNUAL  PREMIUMS  PER  $1000  TEMPORARY  INSUR- 

ANCE, 

IN  TERMS  AS  STATED,  AMERICAN  EXPERI- 

ENCE,  FOUR  AND  ONE-HALF  PER  CENT. 

Age. 

1 

3 

5 

7 

10 

15 

20 

1 

25 

Year. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years.     ! 

1 

20 

7-47 

7-52 

7-56 

7.6l 

7.68 

7.82 

7-99 

8.19   j 

21 

7-52 

7-57 

7.6l 

7.66 

7-74 

7.89 

8.07 

8.29   | 

22 

7-57 

7.61 

7.66 

7.72 

7.80 

7.96 

8.16 

8.4O   j 

23 

7.62 

7.67 

7.72 

.7.78 

7.87 

8.04 

8.25 

8.52  ! 

24 

7.67 

7.72 

7.78 

7.84 

7-94 

8.13 

8.36 

8.65  j 

25 

7.72 

7.78 

7.84 

.      7.91 

8.01 

8.22 

8-47 

8.80  ! 

26 

7.78 

7.84 

7.9I 

7.9S 

8.10 

8.32 

8.60 

8.97  i 

27 

7.84 

7.91 

7.98 

8.06 

8.18 

8-43 

8-74 

915  i 

28 

7.91 

7.98 

8.06 

8.I4 

8.28 

8-55 

8.89 

9-36  j 

29 

7-99 

8.06 

8.14 

8.24 

8.38 

8.68 

9.06 

9.58 

30 

8.06 

8.15 

8.24 

8-33 

8.50 

8.82 

9-25 

9-83 

31 

8.14 

8.24 

8-34 

8.44 

8.63 

8.98 

9.46 

10.12 

3<* 

8.24 

8-34 

8.45 

8.56 

8.76 

9.16 

9.70 

10.43 

33 

8.34 

8-45 

8.56 

8.69 

8.91 

9-35 

9.96 

10.78 

34 

8.45 

8-57 

8.70 

8.84 

9.08 

9-57 

10  25 

11. 16 

35 

8.56 

8.69 

8.84 

9.OO 

9.26 

9.81 

10.58 

n-59  ! 

36 

8.70 

8.84 

9.00 

9.17 

9.46 

10.09 

10.95 

12.07  j 

37 

8.84 

9.00 

9.18 

9-36 

9.69 

10.39 

n.36 

12.60 

38 

9.00 

9.18 

9-37 

9-58 

9-94 

10.74 

11.82 

13-19  j 

39 

9.17 

9-37 

9-58 

9.81 

10.22 

11. 13 

12.33 

13.84  ! 

40 

9-37 

9-58 

9.81 

IO.O7 

10.54 

11.56 

12.91 

14.55 

4i 

9.58 

9.81 

10.07 

IO.37 

10.90 

12.05 

13.54 

15.34 

42 

9.81 

10.07 

10.36 

IO.70 

11.30 

12.60 

14-25 

16.21 

43 

10.06 

10.36 

10.69 

II.08 

11.77 

13.21 

15-03 

17.17  j 

44 

10.36 

10.69 

11.07 

II. 51 

12.29 

13.90 

15.90 

18.22 

4§ 

10.68 

11.06 

11.50 

I2.O0 

12.88 

14.67 

16.87 

19.36 

46 

11.06 

11.49 

11.99 

12.56 

13-55 

15.53 

1794 

20.62 

47 

11.48 

11.98 

12.55 

13  19 

14.29 

16.49 

19.11 

21.99 

48 

11.97 

12.54 

13-19 

I3-91 

15-13 

17.56 

20.41 

23-47 

49 

12.54 

13-19 

13-91 

14.71 

16.07 

18.74 

21.83 

25.07 

50 

13.19 

13-Qi 

14.72 

15.61 

17.11 

20.04 

23.39 

26.80 

5i 

I3-91 

14.72 

15.62 

16.61 

18.-27 

21.48 

25.10 

28.65 

52 

14.73 

15-63 

16.63 

17.73 

1 9-1 6 

23.07 

26.95 

30.63 

53 

15.63 

16  64 

17.75 

18.96 

20.98 

24.81 

28.96 

32.74 

54 

16.65 

17-77 

19.00 

20.34 

22.55 

26.72 

31.14 

35-00 

55 

17.77 

19.02 

20.37 

21.85 

24.29 

28.82 

33.48 

37-41 

56 

19.03 

20.40 

21.90 

23.53 

26.20 

31. 11 

36.00 

39-98 

57 

20.42 

21.94 

23.60 

25-39 

28.31 

33-6i 

38.71 

42.72 

58 

21.95 

23.63 

25.47 

27.44 

30.63 

36.33 

41.61 

45.62 

59 

23.66 

25-52 

27.54 

29.70 

33.18 

39.28 

44.71 

48.70 

60 

25.54 

27.60 

29.82 

32.19 

35-98 

42.46 

48.04 

51.96 

61 

27.64 

29.90 

32.34 

34-93 

39.06 

45-90 

51.60 

55-42 

62 

29.94 

32.43 

35-11 

37-96 

42.42 

49-59 

55.40 

59-o8 

63 

32.48 

35-23 

38.17 

41.28 

46.08 

53-56 

59-46 

62.96 

64 

35.28 

38.32 

41-55 

44.92 

50.08 . 

57.83 

63-79 

67.06 

65 

38.40 

41-73 

45.26 

48.92 

54.36 

62.42 

68.39 

71.38 

Am.4i* 


NetPrems 


324 

Principles 

and  Practice 

Table  No.  CXII. 

NET    PREMIUMS   PER   $1000,    AMERICAN   EXPERIENCE, 

FOUR  AND  ONE-HALF  PER  CENT. 

IO              *5       1      20 

Endow- 

Endow- 

Endow- 

Endow- 

3 

Single 
Life. 

Whole 
Life. 

Payment 
Life. 

Payment 
Life. 

Payment 
Life. 

ment  IO 
Years. 

ment   15 
Years. 

ment  20 
Years. 

ment  25 
Years. 

20 

217-45 

11-97 

27.17 

20.35 

I7.07 

81.9O 

50.54 

35-43 

26.80 

21 

221.16 

12.23 

27.64 

20.71 

17-37 

81.92 

50.58 

35-47 

26.85 

22 

225.02 

12.50 

28.13 

21.08 

17.68 

81.95 

50.6l 

35-51 

26.9I 

23 

229.05 

12.79 

28.64 

21.47 

18.OI 

81.99 

50.65 

35.56 

26.97 

24 

233.26 

I3.IO 

29.18 

21.87 

18.35 

82.02 

50.70 

35-62 

27.04 

25 

237.64 

1342 

29  73 

22.29 

I8.7I 

82.05 

50.74 

.  35-67 

27.Il 

26 

242.23 

13.77 

30.32 

22.73 

I9O9 

82.09 

50.79 

35-74 

27.19 

27 

247.01 

14-13 

30.92 

23  20 

I9.48 

82.13 

50.84 

35.8o 

27.28  i 

28 

251.99 

14-51 

31-56 

23  68 

I9.89 

82.18 

50.90 

35-88 

27-37  i 

29 

257.19 

I4.9I 

32.22 

24.18 

20.32 

82.23 

50.97 

35.96 

27.48  | 

30 

262.61 

15-34 

32.92 

24.71 

20.78 

82.28 

5I.03 

36.05 

27.60 

31 

268.26 

15.79 

33.64 

25.26 

21.25 

82.34 

51. II 

36.15 

27-73 

32 

274.16 

16.27 

34-40 

25.84 

21.75 

82.40 

51.19 

36.26 

27.88 

33 

280.30 

16.77 

35-19 

2645 

22.27 

82.47 

51.29 

36.38 

28.05 

34 

286.69 

17-31 

36.01 

27.08 

22.81 

82.55 

51-39 

36.52 

2S.23 

35 

293.35 

17.88 

36.87 

27.74 

23-39 

82.63 

5I.50 

36.67 

28.43 

36 

300.29 

18.48 

37-77 

28.43 

23- 99 

82.72 

51.62 

36.84 

28.66 

37 

30751 

19.12 

38.71 

29.16 

24.63 

82.83 

5I.76 

37.03 

28.92 

38 

31503 

I9.81 

39-69 

29.92 

25-30 

82.94 

51-92 

37.24 

29.21    ! 

39 

322.83 

20.53 

40.72 

30.72 

26.00 

83.06 

52.09 

37.48 

29-53 

40 

330.95 

21.30 

41.79 

3156 

26.75 

83.20 

52.29 

37-75 

29.88    j 

41 

339-37 

22.12 

42.90 

32.43 

27-53 

83.36 

52.51 

38.06 

30.29 

42 

348.12 

23.00 

44.07 

33.36 

28.36 

83.53 

52.76 

3S40 

30.73 

43 

357.19 

23-93 

45-29 

34-33 

29.23 

83.73 

53-04 

38.78 

31-24 

44 

366.60 

24.92 

46.57 

35-35 

30.16 

83.96 

53-36 

39-21 

3I.80 

45 

376.35 

25-99 

47.90 

36.43 

31.15 

84.22 

53-73 

39-70 

32.42 

46 

386.43 

27.12 

49- 30 

37-56 

32.19 

84.52 

54-14 

40.24 

33-12 

47 

396.85 

28  33 

50.76 

38.76 

33-  30 

84.85 

54- 60 

40.85 

33-90 

48 

407.60 

29.63 

52.29 

40.02 

34-48 

85.23 

55-12 

41-53 

34-77 

49 

418.67 

31.01 

53.89 

41-35 

35.74 

85.66 

55-70 

42.30 

35-72 

50 

430.04 

32.49 

55-57 

42.75 

37-07 

86.15 

56.35 

43.14 

36.78 

51 

441.70 

34-07 

57-31 

44  23 

38.49 

86.69 

57-o8 

4409 

37-95 

52 

453-63 

35-75 

59- 13 

45-8o 

40.01 

87.29 

57.89 

45-13 

39- 24 

53 

465.82 

37-55 

61.03 

47-^5 

41.62 

87.96 

58.79 

46.29 

40.65 

54 

478.26 

39-47 

63.02 

49.19 

43-35 

88.71 

59-8o 

47.58 

42.20 

55 

490.93 

41-53 

65  10 

5T.04 

45-19 

89- 54. 

60.91 

48.99 

43.90 

56 

503.80 

43-72 

67.27 

53-OI 

47-17 

9047 

62.15 

50.56 

57 

516.87 

46.07 

69.55 

55-09 

49.28 

91.50 

6352 

52.29 

58 

530.10 

48.58 

71-94 

57-31 

51.55 

92.64 

65.04 

54-19 

59 

543-48 

51-27 

7444 

5967 

53-99 

93-91 

66.73 

56.27 

60 

556.99 

54- 14 

77.o8 

62  20 

56.61 

95-33 

68.60 

58.57 

61 

570.59 

57-22 

79.86 

64.89 

59-42 

96.90 

70.67 

62 

584.26 

60.52 

82.79 

6778 

62.46 

98.64 

72.95 

63 

597-97 

64.05 

85.89 

7087 

65-73 

100.57 

75.46 

64 

611.70 

67.84 

89.17 

74.19 

69.26 

102.71 

78.22 

65 

625.42 

71.90 

92.66 

77.76 

73-07 

105.09 

81.27 

66 

639.08 

76.25 

96-35 

81.59 

77.19 

11 

652.65 

80.91 

100.28 

85.71 

81.63 

666.11 

85.91 

104.46 

9'>.i6 

85.44 

69 

679.42 

91.26 

108.90 

94  95 

91.63 

70 

692.54 

97.00 

113.63 

100.12 

97-23 

S.P.End. 


Am.4J* 


Of  Life  Insurance. 

325 

Table  No. 

CXIII. 

SINGLE 

PREMIUMS    ] 

PER  $1000   ENDOWMENT  INSUR- 

ANCE 

AMERICAN  EXPERIENCE.  FOUR  AND  ONE- 

HALF  PER  CENT,  PAYABLE  AS  STATED. 

Age. 

In  1 

In  2 

In  3 

In4 

In» 

In  6 

In  7 

In  8 

Year. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

956.94 

916.05 

877.23 

840.38 

805.40 

772.18 

740.66 

710.74 

21 

956.94 

916.05 

877.24 

840.39 

805.41 

772.21 

740.70 

710.79 

22 

956.94 

916.06 

877.25 

840.40 

805.43 

772.24 

740.74 

710.84 

23 

956.94 

916.06 

877.25 

840.42 

805.45 

772.27 

740.78 

710.89 

24 

956.94 

916.06 

877.26 

840.43 

805.47 

772.30 

740.82 

710.95 

25 

956.94 

916.06 

877.26 

840.44 

805.50 

772.33 

740.87 

7II.OI 

26 

956.94 

916.07 

877.27 

840.46 

805.52 

772.37 

740.92 

711.08 

27 

956.94 

916.07 

877.28 

840.47 

805.55 

772.41 

740.98 

711. 15 

28 

956.94 

916.07 

877.29 

840.49 

805.58 

772.45 

74I-03 

711.23 

29 

956.94 

916.07 

877.30 

840.51 

805.61 

772.50 

74LIO 

711.31 

30 

956.94 

916.08 

877.31 

840.53 

805.64 

772.55 

74I.I6 

711.41 

3i 

956.94 

916.08 

877-32 

840.55 

805.68 

772.60 

741.24 

711. 51 

32 

956.94 

916.08 

877-33 

840.57 

805.72 

772.66 

741.32 

711. 6l 

33 

956.94 

916.09 

877-34 

840.60 

805.76 

772.72 

741.41 

7H.73 

34 

956.94 

916.09 

877.36 

840.63 

805.80 

772.79 

74L50 

711.86 

3§ 

956.94 

9T6.IO 

877.38 

840.66 

805.86 

772.87 

74I.6I 

7I2.00 

36 

956.94 

916.IO 

877.39 

840.69 

805.9I 

772.95 

741-73 

7I2.I6 

37 

956.94 

9i6.II 

877.41 

840.73 

805.97 

773-04 

741.86 

712.33 

38 

956.94 

916.12 

877-43 

840.77 

806.04 

773.15 

742.OO 

712.52 

39 

956.94 

916.12 

877-45 

840.81 

806.II 

773.26 

742.16 

712.73 

40 

956.94 

9I6.I3 

877.48 

840  87 

806.20 

773-38 

742.33 

712.96 

4i 

956.94 

916.14 

877.50 

840.92 

806.29 

773-52 

742.52 

713.22 

42 

956.94 

9I6.I5 

877-53 

840.98 

806.39 

773.67 

742.74 

7I3-50 

43 

956.94 

916.16 

877-57 

841.05 

806.50 

773.84 

742.98 

7I3-83 

44 

956.94 

916.18 

877.61 

841.12 

806.63 

774-03 

743.25 

714.20 

4§ 

956.94 

916.I9 

877.65 

841.21 

806.77 

774.25 

743.56 

714.62 

46 

956.94 

916.21 

877.70 

841.31 

806.94 

774-51 

743.92 

7I5.IO 

47 

956.94 

916.22 

877.75 

841.42 

807.13 

774-79 

744.32 

715.65 

48 

956.94 

916.24 

877.8I 

84L55 

807.34 

775-12 

744.78 

716  26 

49 

956.94 

916.27 

877.89 

841.70 

807.60 

775-49 

745-31 

716.96 

50 

956.94 

916.30 

877.97 

841.86 

807.87 

775.91 

745.89 

717.74 

5i 

956.94 

9l6-33 

878.07 

842.05 

808.19 

776.38 

746.55 

718.61 

52 

956.94 

916.36 

878.17 

842.26 

808.53 

776.90 

747.27 

7I9-58 

53 

956.94 

916.40 

878.30 

842.49 

808.92 

777-48 

748.08 

720.64 

54 

956.94 

916.45 

878.42 

842.75 

809.35 

778.12 

748.97 

721.82 

55 

956.94 

916.49' 

878.56 

843.04 

809.83 

778.83 

749.96 

723.13 

56 

956.94 

9l6-55 

878.72 

843.36 

810.35 

779.61 

75L04 

724.56 

57 

956.94 

916.61 

878.90 

843.71 

810.93 

780.47 

752.24 

726.14 

58 

956.94 

916.67 

879.IO 

844.IO 

811.58 

781.43 

753-55 

727.87 

59 

956.94 

916.75 

879.32 

844-53 

812.28 

782.47 

755-00 

729.76 

60 

956.94 

916.83 

879.56 

845.OI 

813.07 

783.63 

756.59 

731.84 

61 

956.94 

916.92 

879.82 

845-53 

813.92 

784.89 

758.32 

734-n 

62 

956.94 

917.02 

880.I2 

846.IO 

814.86 

786  27 

760.22 

736.58 

63 

956.94 

9I7-i3 

880.44 

846.74 

815.89 

787.79 

762.29 

739.28 

64 

956.94 

9*7.25 

S80.79 

847.43 

817.03 

789.45 

764.55 

742.21 

65 

956.94 

9!7-38 

881.19 

848.20 

818.27 

791.26 

767.02 

745-38 

:  66 

956.94 

9*7.53 

881.62 

849.04 

819.63 

793-24 

769.68 

748.81 

!  67. 

956.94 

917.69 

882.09 

849.96 

821. II 

795.38 

772.57 

752.49 

;   68 

956.94 

917.87 

882.61 

850.96 

822.72 

797.69 

775-66 

756.41 

69 

956.94 

918.07 

883.18 

852.05 

824.46 

800.18 

778.96 

760.57 

70 

956.94 

918.29 

883.80 

853.23 

826.32 

802.82 

782.45 

764-95 

Am.4^% 


S.P.End. 


326 


Principles  and   Practice 


Table  No.  CXIII.— Continued. 
SINGLE  PREMIUMS    PER   $1000  ENDOWMENT    INSUR- 
ANCE, AMERICAN  EXPERIENCE,  FOUR  AND  ONE- 
HALF  PER  CENT,  PAYABLE  AS  STATED. 


Age, 


In  9 
Years. 


20 
21 
22 

23 
24 

u 
11 

29 
30 

3* 
32 
33 
34 

36 

38 
39 

40 

4* 

42 
43 
44 

46 

47 
48 

49 
50 
5i 
52 
53 
54 

57 
58 
59 
60 
61 
62 

63 
64 

u 

% 

69 
70 


682.34 
682.40 
682  47 
6S2.54 
6S2.61 
682.69 
682.78 
682.87 
682  97 
6S3.07 
683.19 
683.32 
683.46 
683.61 
683.77 
683.96 
684.16 
6S4  38 
684.62 
684.89 

685.19 
685.52 
6S5.90 
686.32 
6S6.80 

6S7.35 
687.97 
688.68 
68948 
690.38 

691.38 
692.49 
693.72 
695.09 
696.60 
698.25 
7(.o.o8 
702.08 
704.27 
706.67 
709.29 
712.15 

715.25 
718.62 
722.27 
726.21 
730.44 
734-95 
739  73 
744-77 
750.06 


In  tO 

Years. 


655-39 
655-47 
655.55 
655.63 
655-73 
655.82 

655.93 
656.04 

656.17 
656.30 

656.45 
656.60 
656.78 
656.97 
657.17 
657.4O 
657.65 
957-93 
658.24 

65S.57 
658.95 
659-37 
659-85 
660.38 
660.99 
661.68 
662.47 
663.35 
664.35 
665.48 

666.72 
668.11 
669.65 

671.34 
673.21 

675.26 

677.5I 
679.98 
682.68 
685.62 
68S.83 
692.32 
696.10 
700.19 
704.60 

709.3+ 

7I4.38 
7 '9- 74 
725-40 
73'  34 
737-54 


In  11 
Years. 


629.82 
629  91 
63O.OI 
63O.II 
630.52 

630.34 
630.47 
630.61 
630.76 
630.92 
631.IO 
631.29 
631.50 

63I-73 
631.98 

632.27 

632.57 
632.91 
633.29 
633.70 

634.17 
634.6() 
635.28 

635-94 
636.69 

637-55 
638.51 
639.60 
640  82 
642.19 

643.72 
645-41 
647-27 
649-33 
651.59 

654-07 
656.79 
659.76 
663.OO 
666  53 
670.37 
674-52 
679.02 
6S3.85 
689.04 

694  59 
70047 
706.69 
71321 
720.03 


In  13 
Years. 


605.55 
605.66 
605.78 
605.9O 
606.03 
606.17 
606.33 
606.49 
606.67 
606.87 
607.08 
607.31 
607.56 
607.84 
608.14 
608.48 
608.85 
609.26 
609.71 
6lo.2I 
610.78 
6ll. 41 
612.13 
612.93 
613.85 
614.88 
616.OO 

617-35 
618.82 
620.47 
622.29 
624.31 
626.53 
628.98 
631.66 
634.60 
637.82 
641.33 
645.I5 
64930 

653-79 
658.65 
663.87 
669.47 
675-45 
68I.8I 
688.52 
695.58 
702.96 


In  13 
Years. 


532.52 
5S2.65 
5S2  79 
5S2.93 
5S3-09 
58325 
583.44 
58363 
58384 
584.07 
584.32 
584.60 
584.90 
585.22 
585-58 

535-98 
586.42 
586.90 

587.45 
588.05 

588.72 
589.48 
590-34 
591.30 
592-39 
593- 62 
59500 

596.55 
598.29 
600.23 
602.37 
604.75 
607.35 
610.22 
613.36 
616.79 
620.54 
624.61 
629.03 
633-83 
639.00 
644-57 
650.54 
656.91 
663.68 
670.84 
678.36 
686.23 


In  14 
Years. 


In  15 

Years. 


560.68 
560.83 
56099 
56I.I5 
561.33 
561.53 
561.74 
56L97 
5^2.21 
562.48 

562.77 
563.09 
563.44 
563.82 
564.24 

564.71 
565.22 
565.80 
566.44 
567.15 

567.94 

568.84 

569.85 
570.98 
572.27 

573-71 
575-33 
577.14 
579  17 
581.42 

583-91 
586.67 
589.68 

592.99 
596.61 

600.56 
604. 86 
609.52 

614-57 
620.03 

625.90 
632.19 
638.90 
646.02 
65356 
661  50 
669.80 


539.96 
540.13 
540.31 
540.50 
540.71 
540.93 
541-17 
541-44 
541-72 
542.03 

542.36 
542.73 
543  14 
543-58 
544-Q7 
544.61 
545-21 
545-87 
546.62 

547-45 
548.38 
549-43 
550.60 

551-93 
553-42 

555.09 
556  97 
559o6 
561.40 
563.99 
566.85 
570.00 

573-45 
577-22 
581.35 
585.83 
590.70 
595-98 
601.67 
607.79 
614.36 
621.36 
628.80 
636.67 
644.95 
653.64 


In  16 

Years. 


520.3* 
520.50 
520.70 
520.92 
521.16 

521.41 
521.69 

521.99 
522.31 
522.66 

523.05 
523-47 
523.93 
524-44 
525.OO 

525.62 
526.32 
527.09 
527.95 
528.9I 

529.99 
531.20 
532.56 
534-08 

535-80 

537-71 
539-86 
542.26 
544-92 
547.87 
55LI2 
554-69 
558.59 
562.86 
567-50 

572.54 
578.00 
58.7-89 
590.23 
597.02 
604.28 
611.98 
620.13 
628.71 
637.71 


S.P.End. 


Am.42* 


Of   L/iFK  Insurance. 

327 

j 

Table  No.  CXIII.— Continued. 

SINGLE 

PREMIUMS   PER    $1000  ENDOWMENT  INSUR- 

ANCE 

,  AMERICAN  EXPERIENCE,  FOUR  AND  ONE- 

HALF  PER  CENT,  PAYABLE  AS  STATED. 

Age. 

In  17 

In  18 

In  19 

In  20 

In  21 

In  22 

In  23 

In  24 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

5OI.67 

483.99 

467.24 

451-35 

436.30 

422.03 

408.52 

395-72 

21 

501.88 

484.24 

467.51 

45I-65 

436.63 

422.39 

408.9I 

396.15 

22 

502.I2 

484.49 

467.79 

451-97 

436.98 

422.78 

409.33 

396.61 

23 

502.36 

484.77 

468.IO 

452  31 

437-35 

423.19 

409.79 

397.10 

24 

502.63 

485.07 

468.43 

452.68 

437-76 

423.64 

4IO.28 

397-64 

2§ 

502.9I 

485-39 

468.79 

453.08 

438.20 

424.13 

4IO.81 

398.23 

26 

503.23 

485-74 

469.19 

453-52 

438.69 

424.66 

4II.40 

398.87 

27 

503.57 

486.12 

469.61 

453-99 

439-21 

425.24 

412.04 

399-57 

28 

503.93 

486.54 

470.07 

454.50 

439-78 

425.87 

412.73 

400.34 

29 

504.33 

486.99 

470.58 

455-07 

440.41 

426.57 

4I3.50 

401.18   j 

30 

504.77 

487.48 

471.13 

455.69 

441.10 

427-33 

414.35 

402.12 

3i 

505.25 

488.02 

471-74 

456.37 

441.86 

428.18 

4I5-28 

403-I5 

32 

505-78 

488.62 

472.42 

457.12 

442.70 

429.12 

416.33 

404.30 

33 

506.36 

489.28 

473-16 

457.96 

443.64 

430.I5 

417.48 

405-57 

34 

507.OO 

49O.OI 

473.98 

458.88 

444.67 

431-31 

418.76 

406.99 

35 

507.71 

490.81 

474.90 

459-91 

445-82 

432.59 

420.18 

408.56 

36 

508.50 

491.72 

475-92 

461.06 

447.11 

434-03 

421.76 

410.31 

37 

509.39 

492.73 

477.06 

462.34 

448.54 

435-62 

423-54 

412.26 

38 

510.38 

493-85 

478.33 

463-78 

45o.i5 

437.40 

425.50 

414-43 

39 

511.48 

495-  II 

479-75 

465.37 

451-93 

439-38 

427.69 

416.83 

40 

512.72 

496.52 

481.34 

467.16 

453.91 

441.58 

430.12 

419.50 

4i 

514  IO 

498.09 

483.12 

469.14 

456.13 

444.03 

432.82 

422.46 

42 

5I5-65 

499.85 

485.IO 

47L36 

458.60 

446.76 

435.82 

425.74 

43 

5I7-40 

50I.82 

487.32 

473.84 

461.35 

449-80 

439-15 

429-37 

44 

519-35 

504-03 

489.80 

476.60 

464.40 

453-i6 

442.83 

433-38 

4§ 

521.53 

506.49 

492.55 

479.67 

467.79 

456.88 

446.90 

437-8o 

46 

523-97 

509.24 

495.62 

483.07 

47L54 

460.99 

451-37 

442.65 

47 

526.68 

512.29 

499.OI 

486.82 

475-67 

465.50 

456.28 

447.96 

48 

529.69 

515-66 

502.76 

490.97 

480.21 

470.46 

461.65 

453-75 

49 

533-02 

5I9-38 

506.89 

495-51 

485.19 

475-87 

467-51 

460.05 

50 

536.68 

523.46 

511.41 

500.48 

490.61 

481.76 

473.85 

466.85 

5i 

540.68 

527.92 

516.33 

505.88 

496.50 

488.12 

480.70 

474-17 

52 

545-05 

532.77 

521.69 

511-74 

502.86 

494.99 

488.07 

482.01 

53 

549.82 

538.06 

527.50 

518.07 

509.72 

502.37 

495-95 

490.38 

54 

555.oo 

543.78 

533-77 

524.90 

517.09 

510.27 

504.35 

499.27 

55 

560.61 

549.96 

540.53 

532.22 

524.97 

518.68 

513.28 

508.68 

56 

566.66 

556.62 

547-77 

540.05 

533-35 

527.60 

522.70 

518.59 

57 

573-iS 

563-75 

555-51 

548.37 

542.24 

537-02 

532.63 

58 

580.16 

571.36 

563.74 

557  19 

551.62 

546.94 

59 

587.62 

579.46 

572.46 

566.50 

561.49 

60 

595-54 

588.O4 

581.65 

576.28 

61 

603.93 

597.07 

59L3I 

62 

612.76 

606.55 

63 

622.02 

AmAl% 


S.P.End 


328 

Principles  and   Practice 

1 

Table  No.  CXIII.— Continued. 

SINGLE 

PREMIUMS    PER   $1000   ENDOWMENT    INSUR- 

ANCE 

,,  AMERICAN  EXPERIENCE,  FOUR  AND  ONE- 

HALF  PER  CENT,  PAYABLE  AS  STATED. 

In  25 

In  26 

In  27 

In  28 

In  29 

In  30 

In  31 

In  32 

Age. 
20 

Years. 

V  cars. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

383.60 

372.13 

361.27 

35I.OO 

341.29 

332.12 

323.46 

3I5.28 

21 

384.06 

372.63 

361.82 

35L59 

34L93 

332.80 

324.19 

316.07 

22 

384-56 

373.17 

362.40 

352.23 

342.62 

333-55 

324.99 

316.93 

23 

385.IO 

373.76 

363- <-4 

352.92 

343.36 

334-35 

325.86 

317.87 

24 

385.69 

374.40 

363-73 

35367 

344- 1 8 

335-24 

326.82 

318.9I 

2 

386.33 

375.IO 

364.50 

354.50 

345.08 

336.21 

327.87 

320.04 

387.03 

375-86 

365.33 

355.41 

346.07 

337.28 

329.O3 

321.30 

3 

387.80 

376.70 

366.25 

356.41 

347.15 

338.46 

330.3I 

322.68 

388.64 

377.63 

367.26 

357.51 

348.35 

339-76 

331.72 

324.20 

29 

389.58 

378.65 

368.38 

358.73 

349-68 

341-20 

333-28 

325.88 

30 

39O.60 

379-78 

369.61 

360.07 

351.14 

342.79 

335.oo 

327.74 

31 

391-74 

381.02 

370.97 

361.56 

352.76 

344-55 

336.89 

329.79 

32 

393-OI 

382.41 

372.49 

363.22 

354.56 

346.50 

339-00 

332.06 

33 

394-41 

383.95 

374-17 

36505 

356.55 

348.65 

341-33 

334.56 

34 

395.96 

385.66 

376.04 

367.08 

358.75 

351.03 

343-90 

337.32 

u 

397.69 

387.55 

378.10 

369.32 

361.19 

353-66 

346.73 

3  P.  36 

399.62 

389.66 

380.40 

371.82 

363.89 

356.58 

349-86 

343.72 

11 

401.75 

391-99 

382.94 

374.58 

366.87 

359-79 

353-31 

347.40 

404.13 

394-59 

385.76 

377.63 

370.16 

363-33 

357.IO 

351.45 

39 

406.76 

397-45 

388.88 

381.OO 

373.78 

367.21 

361.25 

355.87 

40 

409.68 

400.63 

392.31 

384.7I 

377-77 

37L48 

365.80 

360.71 

41 

412.91 

40413 

396.10 

388.79 

382.15 

376.16 

370.78 

365.98 

42 

416.48 

408.00 

400.28 

393.27 

386.95 

381.27 

376.21 

37L7I 

43 

420.42 

412.27 

404.87 

398.19 

392.20 

386.85 

382.11 

377-94 

44 

424.77 

416.95 

409.90 

403.57 

397.92 

392.92 

388.51 

384.66 

9 

429.54 

422.09 

4I540 

409.44 

404.15 

399-49 

395-43 

391.90 

434-77 

427.71 

421.40 

4I5.8I 

410.89 

406.60 

402.87 

399-67 

8 

440.49 

433.82 

427.91 

422.71 

418.17 

414.23 

410.85 

407.97 

446.70 

440.45 

434-95 

430.I4 

425.98 

422.40 

419.36 

416.80 

49 

453-44 

447.61 

442.53 

438.12 

434-33 

431. 11 

428.40 

50 

460.69 

455-30 

450.64 

446.63 

443-22 

440.35 

51 

468.47 

463.52 

459-27 

455-66 

452.62 

52 

476.77 

472.27 

468.43 

465.21 

53 

485.60 

481.53 

478.11 

54 

494-95 

491-32 

55 

504.81 

S.P.End. 


AmAl2% 


Of  Life   Insurance. 


329 


Table  No.  CXIII.— Concluded. 
SINGLE   PREMIUMS   PER  $1000   ENDOWMENT    INSUR- 
ANCE, AMERICAN  EXPERIENCE,  FOUR  AND  ONE- 
HALF  PER  CENT,  PAYABLE  AS  STATED. 


In  33 
Age.     years. 


20 
21 
22 

23 

24 

26 
27 
28 
29 

30 
31 
32 

33 

34 

36 
37 
38 
39 

40 

4i 
42 

43 
44 

46 
47 


307-57 
308.42 

309-35 
310.36 

3H-47 

312  70 

3^4-05 
315-54 
317.18 
318.99 

320.99 
323.20 

325-64 

328.32 
331.28 

334.53 
338.12 
342.04 
346.35 
351-04 

356.16 

361.73 
367.76 

374.29 
381.33 

388.87 
396.95 
405.55 


In  34 

Years. 


3  >0.30 
301.22 
302.2I 
303.30 
304.50 

305.82 
307.27 
308.88 
31O.64 
312.59 

314-74 
3I7-IO 

319.72 
322.59 
325-75 

329.22 

333-04 
337-21 
341-77 
346.73 

352.13 
357.98 
364-31 
371.13 
378.46 

386.30 
394.66 


In  35 

Years. 


293.46 
294.44 
295-51 
296.68 

297.97 

299.39 
300.95 

3  2.67 

304-56 
306.66 

308.96 

311.49 
3I4-28 

317-35 
320.7I 

324.40 

328.45 
332.87 
337-68 
342.9I 

348.58 

354-71 
361.32 
368.42 
376.02 

384-13 


In  36 

Years. 


287.03 
288.08 
289.23 
290.49 
291.87 

293.39 
295.06 
296.90 
298.93 
30I.I7 

303.63 
306.33 

309.3I 
312.57 
3I6.I4 

320.06 

324.33 
328.99 
334-06 

339-55 

345-48 
351-88 

358.75 
366.11 

373-97 


In  37 
Years. 


281.OO 

282.12 

283.35 
284.69 
286.17 

287.80 

289.59 
291.56 

293-73 
296.II 

298.74 
301.61 

304.77 
308.24 
3I2.02 

3I6.I5 
320.66 
325.56 
330.87 
336.61 

342.8o 
349-44 
356.56 
364.I7 


In  38 
Years. 


275.33 
276.53 
277.84 
279.28 
280.86 

282.60 
284.52 
286.62 
288.93 
291.47 

294.26 

297.31 
300.66 
304.32 
308.32 

312.67 
317.41 
322.54 
328.09 

334-07 

340.49 
347-37 
354.72 


In  39 

Years. 


270.03 

271.31 
272.71 
274.24 
275.93 

277.79 
279.83 
282.06 

284.52 
287.22 

290.17 
293.41 

296.95 
300.81 
305.OI 

309.58 
314-54 
319.90 
325.68 
331.88 

338.53 
345.63 


In  40 

Years 


265.07 
266.43 
267.93 
269.56 
27I.36 

273-33 
275.50 
277.88 
280.49 
283.35 

286.47 
289.89 
293.62 
297.68 
302.08 

306.86 
312.04 
317-61 
323.60 
330.02 

336.88 


AmAl% 


O.L 


330 

Principles  and   Practice 

Table  No. 

CXIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4  th 

5  th 

6tli 

7th 

Nth 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

4-74 

9.68 

14.83 

20.20 

25.81 

31.66 

37-77 

44.14 

1   21 

4.96 

IO.14 

15.54 

21.17 

27.06 

33.19 

39-59 

46.27 

22 

5.20 

IO.63 

16.29 

22.20 

28.37 

34.80 

41-51 

48.51 

23 

5-46 

II. 15 

I7.O9 

23.29 

29.76 

36.50 

43-53 

50.86 

24 

5-72 

II.70 

17-93 

24.43 

31.22 

38.29 

45.66 

53-34 

25 

6.01 

12.28 

18.82 

2564 

32.75 

40.16 

47.89 

55-95 

26 

6.31 

12.88 

19-75 

26.90 

34.36 

42.13 

50.24 

58.68 

3 

6.62 

13.53 

20.72 

28.23 

36.06 

44-21 

52.71 

61.55 

6.95 

14.20 

21.75 

29.63 

37.85 

46.39 

55.3o 

64.58 

29 

7-3o 

14.91 

22.84 

31. II 

39-72 

48.69 

58.03 

67.75 

30 

7.66 

15.66 

23.99 

32.66 

41.69 

51. II 

60.90 

71.O9 

31 

8.06 

16.45 

25.19 

34- 29 

43.78 

53.64 

63.91 

74.58 

32 

8.46 

17.27 

26.45 

36.01 

45.96 

56.31 

67.06 

78.24 

33 

8.89 

18.14 

27.79 

37.82 

48.26 

59.IO 

70.37 

82.08 

34 

9-34 

19.07 

29.19 

39.72 

50.67 

62.04 

73.85 

86.11 

n 

9.82 

20.04 

30.67 

41.72 

53-20 

65.12 

77.50 

90.34 

10.32 

21.06 

32.21 

43.81 

55.84 

68.34 

81.31 

94-77 

37 

10.85 

22.12 

33.84 

46.00 

58.63 

71.74 

85.33 

99.40 

38 

ir. 40 

23  24 

35-54 

48.31 

61.56 

75-30 

89.52 

104.25 

39 

11.98 

24.42 

37-34 

50.74 

64.64 

7903 

93.92 

109.30 

40 

12.59 

25.66 

39-23 

53.29 

67.86 

82.93 

98.50 

H4-57 

41 

13.24 

26.98 

41.23 

55.97 

71.24 

87.OI 

103.28 

120.04 

42 

13.92 

28.36 

43.31 

58.78 

74.76 

91.25 

108.23 

125.67 

43 

14.64 

29.80 

45-49 

61.70 

78.42 

95.64 

113.33- 

131-46 

44 

15-38 

31.31 

47-75 

64.72 

82.20 

IOO.15 

118.56 

137-39 

0 

16.17 

32.87 

50.11 

67.86 

86.O9 

IO4.78 

123.92 

143.47 

16.98 

34.5o 

52.54 

71.07 

90.07 

IO9.51 

129.39 

149.66 

47 

17.82 

36.18 

55.03 

74-35 

94.14 

114.35 

134.98 

155.98 

48, 

18.69 

37-88 

57-56 

77.70 

98.28 

II9.28 

140.66 

162.40 

49 

19.56 

39.61 

60.14 

81.11 

IO2.51 

124.30 

146.45 

168.92 

50 

20.45 

41-39 

62.78 

84.61 

IO6.83 

129.42 

152.34 

175.56  j 

51 

21.37 

43-21 

65.49 

88.18 

III. 24 

134.64 

158.35 

182.32  j 

52 

22.32 

45-oS 

68.27 

91.83 

H5-74 

139-97 

164.46 

189.18  | 

53 

23.29 

47.00 

71.11 

95-56 

120.34 

145-39 

170.67 

196.14 

54 

24.28 

48.96 

74.00 

99.36 

125.OI 

150  90 

176.97 

203.17 

p 

25-30 

50.96 

76.95 

103.24 

129.77 

156.49 

183.34 

210.28  j 

26.33 

53oo 

79-97 

107.19 

134.60 

162.15 

189.79 

217-45  1 

11 

27-39 

55-09 

83.05 

1 1 1. 20 

I39-50 

167.88 

196.29 

224.68  j 

28.48 

57-22 

86.17 

115.26 

144.44 

173.66 

202.84 

231.92  | 

59 

29.58 

59-38 

89.32 

119.36 

149  43 

179-47 

209.40 

239.14  j 

60 

30.70 

61.56 

92.51 

123.50 

154.46. 

185.29 

215.94 

246.33 

61 

31.83 

63.77 

95-74 

127.67 

159-49 

191. 10 

222.45 

253-43 

62 

32.98 

66.00 

98.99 

131.85 

164.51 

196.88 

228.89 

260.45 

63 

34- 1 5 

68.26 

102  24 

136.01 

169.49 

202.59 

235.23 

267.32 

64 

35.32 

70.50 

105.46 

140.13 

1 74- 39 

208.19 

241.42 

27405 

65 

36.47 

72.71 

108.65 

144.17 

179.20 

213.64 

247.47 

280.71 

O.L. 


Am.4J* 


Op  Life  Insurance. 

33* 

Table  No.  CXIV. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

( 

3IES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

9th 

lOth 

nth 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

50.7? 

57.71 

64.93 

72.46 

80.31 

88.49 

97.OO 

IO5.87 

21 

53-23 

60.48 

68.05 

75-94 

84.15 

92.70 

IOI.6I 

IIO.88 

22 

55.8o 

63.40 

71-33 

79.58 

88.18 

97.13 

106.45 

II6.14 

23 

58.51 

66.47 

74-77 

83.41 

92.41 

IOI.78 

III. 52 

121.65 

24 

6i.35 

69.69 

78.38 

87.43 

96.85 

IO6.65 

II6.83 

127.41 

25 

64.34 

73.08 

82.18 

91.65 

IOI.51 

in. 74 

122.39 

133-43 

26 

67.47 

76.63 

86.16 

96.07 

106.37 

117.08 

128.I9 

139.74 

27 

70.77 

80.36 

90.34 

IOO.70 

III. 48 

122.66 

134.28 

146.33 

28 

74-23 

84.27 

94.71 

IO5.56 

II6.82 

128.51 

140.64 

153-22 

29 

77-86 

88.37 

99.29 

IIO.63 

122.41 

134.63 

I47.30 

160.41 

30 

81.67 

92.67 

IO4.O9 

II5-96 

128.26 

141.03 

I54.24 

167.92  1 

31 

85.67 

97.18 

IO9.13 

121.53 

134.40 

147.71 

161.49 

175.73 

32 

89.84 

IOI.90 

II4.4O 

127.37 

140.79 

154.69 

169.04 

183.84 

33 

94-23 

106.84 

II9.92 

I33-46 

147.47 

161.94 

176.88 

192.26 

34 

98.83 

112.03 

125.69 

I39-83 

154.43 

169.50 

185  02 

200.96 

35 

103.66 

117  45 

131.72 

146.46 

161.67 

177-34 

193.43 

209.92 

36 

108.69 

123. 11 

137.99 

153-36 

169.18 

185.43 

202.09 

219.14 

37 

113.96 

129.01 

144.53 

160.51 

176.93 

193.77 

2II.OO 

228.60 

38 

H9-45 

135.15 

I5I-3I 

167.91 

184.92 

202.34 

220.14 

238.30 

39 

125.18 

141.52 

158.31 

175.53 

I93-I5 

211. 16 

229.53 

248.23 

40 

13Z.II 

148. 11 

165.53 

183.36 

201.59 

220.18 

239.II 

258.36 

4i 

137.25 

154.89 

172.95 

I9I.4I 

210.24 

229.41 

248.91 

268.68 

42 

143.55 

161.86 

180.56 

I99.64 

219.07 

238.83 

258.87 

279.17 

43 

150.02 

168.99 

188.34 

208.05 

22S.08 

248.40 

268.99 

289.81 

44 

156  64 

176.28 

196.28 

2l6.6l 

237.23 

258.13 

279.26 

300.58 

4§ 

163.41 

183.72 

204.37 

225.32 

246.54 

268.00 

289.65 

311.46 

46 

170.30 

191.29 

212.58 

234-15 

255.96 

277  98 

300.I4 

322.42 

47 

177.33 

198.98 

220.93 

243.12 

265.51 

288.06 

3IO.72 

333.46 

48 

184.45 

206. 79 

229.38 

252.18 

275.14 

298.22 

321.36 

344.54 

49 

191.69 

214.71 

237-94 

261.34 

284.85 

308.44 

332.06 

355.65 

50 

199.04 

222.74 

246.60 

270.59 

294.64 

318.73 

342.79 

366.76 

5i 

206.51 

230.87 

255-36 

279.92 

304.5I 

329.07 

353-54 

377-86 

52 

214.08 

239.09 

264.19 

289.32 

314.42 

339-42 

364.27 

388.91 

53 

221.73 

247.40 

273.IO 

298.77 

324.34 

349-76 

374-96 

399-86 

54 

229.45 

255.76 

282.05 

308.23 

334-26 

360.05 

385.55 

410.70 

55 

237.25 

264.19 

291.02 

317.69 

344-13 

370.27 

396.04 

421.39 

56 

245.09 

272.62 

299.98 

327." 

353.92 

380.37 

406.37 

43I-9I 

57 

252  95 

281.06 

308.92 

336.45 

363.61 

390.32 

416.55 

442.32 

58 

260.81 

289.45 

317-77 

345-69 

373.15 

400.12 

426.61 

452.69  j 

59 

268.62 

297-77 

326.51 

354-77 

382.53 

409. 80 

436.65 

463-I4 

60 

276.36 

305.98 

335-IO 

363.71 

39I-8I 

419.47 

446.78 

473.80  i 

! 

61 

283.99 

314.04 

343-55 

372-54 

401.08 

429.25 

457-14 

484.79 

62 

291.49 

321.97 

351.91 

381.39 

4IO.49 

439-29 

467.85 

496.I9    | 

63 

298.84 

329.81 

360.29 

390-38 

420.16 

449.70 

479.01 

508.05    j 

64 

306. 1 1 

337.67 

368.83 

399.66 

430.24 

460.59 

490.66 

520.46    j 

65 

313.42 

345.72 

377-68 

409-38 

440.84 

472.01 

502.90 

533-23    | 

Am.45* 


O.L 


332 

Principles  and   Practice: 

Table  No.  CXIV.— Continued. 

TERMINAL  NET  VALUES  PER  $ 

1000  OF  WHOLE  LIFE  POLL 

CIE3  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

17  tli 

18th 

19  tli 

20tli 

21«t 

22d 

23d 

21th 

Age. 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

II5-09 

124.69 

134  67 

I45-03 

I55-80 

166.98 

178.57 

I9O.60 

21 

120.53 

130.55 

140.97 

151.78 

163.OI 

174.66 

186.75 

199.26 

22 

126.21 

136.68 

147-55 

158.84 

170.55 

182.69 

I95.27 

208.28 

23 

132.17 

I43.O9 

154-44 

I66.2I 

178.42 

I9I.06 

204. 14 

217.65 

24 

133.39 

149.80 

161.64 

173.91 

186.62 

199-7* 

213.36 

227.38 

11 

144.91 

156.81 

169.16 

181.94 

195.17 

208.83 

222.93 

237.45 

151. 71 

164.13 

176.99 

190.30 

204.05 

218.23 

232.84 

247.84 

11 

I58-83 

I7L77 

185.16 

I99.OO 

213.27 

227.97 

243.07 

258.55 

166.25 

179-73 

193-66 

208.03 

222.83 

238.03 

253.61 

269.56 

29 

173.99 

188.OI 

202.48 

217.39 

232.69 

248.39 

264.45 

280.86 

30 

182.05 

I96.62 

211.63 

227.05 

242.86 

259.04 

275.58 

292.45 

31 

19O.42 

205.55 

221.08 

237.02 

253-32 

269.98 

286.98 

304.29 

32 

199.09 

214.76 

230.82' 

247.26 

264.06 

281.19 

298.64 

316.39 

33 

208.06 

224.25 

240.83 

257.77 

275.06 

292.66 

310.55 

328.70 

!  34 

2I7.30 

234.03 

251.12 

268.56 

286.32 

304.37 

322.68 

34L24 

35 

226.81 

244.06 

261.67 

279-59 

297.81 

316.30 

335.03 

353-97 

36 

236.56 

254-34 

272.44 

290.85 

309.52 

328.43 

347.56 

366.86 

37 

246.57 

264.86 

283.45 

302.32 

321.43 

3*0.76 

360.26 

379-90 

38 

256.80 

275-59 

294.67 

313-99 

333-53 

353-24 

373.IO 

393.06 

39 

267.25 

286.54 

306.  oS 

325-84 

345-79 

365.87 

386.06 

406.31 

40 

277-88 

297.66 

317.67 

337.85 

358.18 

378.62 

399- " 

419.63 

41 

288.71 

308.97 

32941 

350.00 

370.70 

39L45 

412.23 

432.99 

42 

299.70 

320.41 

341.28 

•362.25 

383.28 

404.34 

425-38 

446.34 

43 

310.82 

33I-98 

353-25 

374.58 

395-94 

417.27 

438.52 

459.64 

44 

322.05 

343-64 

365.29 

386.96 

408.61 

430.18 

45i-6i 

472.86 

9 

333.38 

355-37 

377-38 

399-37 

421.28 

443.05 

464.63 

485-96 

344-77 

367.15 

389-50 

4H.76 

433-89 

455.83 

477.51 

498.90 

47 

356.22 

378.96 

401.60 

424.II 

446.43 

468.49 

490.24 

5H.64 

48 

36769 

390.75 

413.66 

436.39 

458.84 

480.99 

502.78 

524.17 

49 

379-J4 

402.50 

425-65 

448.54 

471. 11 

493-31 

515. 11 

536.52 

50 

390-58 

414.20 

437-54 

460.56 

483-20 

505-43 

527.27 

548.78 

51 

401.96 

425-79 

449-30 

472.41 

495-H 

5i7-4o 

539-35 

561.02 

52 

413.26 

437-27 

460.89 

484.08 

506.86 

529.29 

551-44 

573-35 

53 

424-43 

448.58 

472.30 

495.61 

518.55 

541.20 

563.61 

585.84 

54 

435-44 

459-72 

483.58 

507.07 

530.26 

553-21 

575-97 

598.55 

55 

446.28 

470.73 

494.81 

518.57 

542.09 

565-42 

588.56 

611.50 

56 

457.00 

481.70 

506.08 

53^-21 

554.14 

577-88 

601.42 

624.74 

57 

467.68 

492.72 

5i7.5o 

542.08 

566.47 

590.64 

614.59 

638.11 

58 

478.44 

5Q3-91 

529.19 

554-26 

579- » 

603.74 

627.92 

651.69 

to 

489-37 

5I5-38 

541.19 

566.77 

592.12 

617.01 

641.48 

665.64 

500.61 

527.20 

553.56 

579-68 

605.33 

630.55 

655-45 

680.28 

61 

512  23 

539-42 

566.37 

592.83 

618.85 

644.54 

670.15 

695.81 

62 

524.28 

552.11 

579-44 

606.32 

632.85 

659-30 

685.80 

712.09 

63 

536.83 

565.10 

592.89 

620.33 

647.68 

675.09 

702.27 

728.74 

64 

549-72 

578.50 

606.90 

635-23 

663.60 

691.74 

719.14 

745.18 

65 

563.06 

592.5i 

621.87 

651.28 

680.46 

708.86 

735.85 

761.37 

O.L. 


AmAi% 


Op  Life  Insurance. 

333 

Table  No.  CXIV 

k — Continued. 

TERMINAL  NET  VALUES  PER  $ 

1000  OF  WHOLE  LIFE  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

25th 

2Gth 

27th 

28th 

29th 

30th 

31st 

32d 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

203.05 

215.94 

229.25 

242.99 

257.13 

271.66 

286.56 

301.80 

21 

212.21 

225.58 

239.38 

253.60 

268.19 

283.16 

298.48 

3H.I4 

22 

221.72 

235-59 

249.87 

264.55 

279.59 

294.98 

310.72 

326.77 

23 

231.60 

245-95 

260. 70 

275.82 

29I.30 

307.II 

323.25 

339-68 

24 

24I.82 

256.65 

271.85 

287.41 

303.3I 

3I9.54 

336.06 

352.85 

U 

252.37 

267.66 

283.31 

299.30 

315.62 

332.23 

349-13 

366.26 

263.23 

278.97 

295.06 

311.48 

328.20 

345.19 

362.43 

379.89 

27 

274.4O 

290.59 

307.II 

323.93 

34L03 

358.38 

375.96 

393-73 

28 

285.86 

302.50 

3I9.43 

336.64 

354.11 

37I.80 

389.69 

407-75 

29 

297.61 

314.66 

332.00 

349-59 

367.40 

385.42 

403.60 

421.91 

30 

309.63 

327.09 

344.81 

362.75 

380.9O 

399-22 

417.66 

436.20 

3i 

321.89 

339-75 

357.83 

376.12 

394-58 

413-I7 

431.85 

450.59 

32 

334-38 

352.62 

371.05 

389.66 

408.4b 

427.23 

446.12 

465.04 

33 

347.09 

365.69 

384.45 

403.35 

422.35 

441.40 

460.47 

479-53 

34 

360.OO 

378.93 

398.OO 

417.17 

436.39 

455-64 

474- S6 

494.01 

35 

373-08 

392.33 

4H.67 

431.08 

450.51 

469.91 

489.24 

508.46 

36 

386.30 

405.84 

42543 

445-05 

464.65 

484.18 

503.58 

522.82 

37 

399.64 

419.44 

439-27 

459-°7 

478.80 

498.41 

517.84 

537.o6 

38 

413.08 

433-12 

453-U 

473.08 

492.90 

512.56 

531.98 

55I.I4 

39 

426.58 

446.84 

467.01 

487.06 

506.94 

526.58 

545.96 

565.02 

40 

440.I3 

460.55 

480.84 

500.96 

520.84 

540.46 

559-74 

578.68 

4i 

453.67 

474-22 

494.60 

514.73 

534-60 

554-13 

573-31 

592.15 

42 

467.17 

487.81 

508.22 

528.35 

548.15 

567.58 

586.68 

605.48 

43 

480.58 

501.28 

521.69 

54L77 

561.48 

580.85 

599-91 

618.73 

44 

493-87 

514.59 

534-96 

554-96 

574.62 

593-97 

613.07 

631.97 

45 

507.OO 

527.69 

548.01 

567.97 

587.62 

607.02 

626.22 

645.26 

46 

5I9.93 

540.58 

560.87 

580.84 

600. 56 

620.07 

639-43 

658.63 

47 

532.65 

553-29 

573.6o 

593-66 

6I3.5I 

633.20 

652.73 

672.10 

48 

545.18 

565.87 

586.29 

606. 50 

626.55 

646.43 

666  15 

685.68 

49 

557-60 

578.41 

599.01 

619.43 

639.70 

659-79 

679.69 

699.24 

50 

570.00 

59!.oi 

611.84 

632.51 

653.OO 

673-30 

693.24 

712.84 

5i 

582.47 

603.74 

624.84 

645.76 

666.48 

686".  83 

706.85 

726.60 

52 

595.08 

616.65 

638.02 

659.20 

679.99 

700.44 

720.63 

740  76 

53 

607.90 

629.76 

651.42 

672.69 

693.61 

714.26 

734.84 

755-47 

54 

620.93 

643  11 

664.89 

686.30 

707.44 

728.52 

749.64 

770.58 

55 

634.23 

656.55 

678.50 

700.16 

721.77 

743-41 

764.88 

785.78 

56 

647.63 

670.15 

692.38 

7I4.55 

736.75 

758.77 

780.22 

800.59 

57 

661.23 

684.06 

706.83 

729.63 

752  25 

774.27 

795-20 

814.98 

58 

675.I7 

698.57 

722.02 

745.27 

767.92 

789-43 

809.77 

829.47 

59 

689.74 

713.87 

737-81 

761. 11 

783.26 

804.19 

824.47 

844-43 

60 

705.I5 

729.81 

753.83 

776.65 

798.22 

819.12 

839.69 

858.94 

61 

721.26 

746.03 

769.58 

79I.83 

813-39 

834.61 

854.47 

870.72 

62 

737-68 

762.00 

784.99 

807.25 

829.17 

849.69 

866.47 

882.26 

63 

753-88 

777-65 

800.68 

823.34 

844.56 

861.92 

878.24 

892.89 

64 

769.79 

793.63 

817.10 

839.06 

857.03 

873-94 

889.10 

1000.00 

65 

786.08 

810.40 

833.17 

851.80 

869.32 

885.04 

1000.00 

Am.41* 


O.L 


334 

Principles  and   Practice 

Table  No.  CXIV .—Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  DEATH, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

33d 

34th 

35th 

36th 

37  th 

38th 

39th 

40th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

317-39 

333-28 

349-47 

365.92 

382.62 

399-53 

416.63 

433.89 

21 

33O.II 

346.37 

362.91 

379.68 

396.67 

413.85 

431.19 

448.66 

22 

343-H 

359-73 

376.59 

393-66 

4IO.93 

428.36 

445.91 

463.55 

23 

356.38 

373-33 

390.49 

407.85 

425.37 

443.01 

460.74 

478.53 

24 

369.89 

387-I5 

404.60 

422.22 

439.96 

457-79 

475.67 

493-58 

3 

383.62 

401.18 

418.89 

436.73 

454.67 

472.65 

490.66 

508.65 

397-56 

4I5.38 

433-33 

45^37 

469.46 

487.58 

505.68 

523.70 

27 

4II.67 

429.73 

447.89 

466. 10 

484-33 

502.54 

520.68 

538.71 

28 

425.93 

444.21 

462.54 

480.89 

499.23 

517.49 

535.64 

553.63 

29 

440.32 

458.78 

477.26 

495.72 

5i4.II 

532.39 

550.51 

568.42 

30 

454-80 

473-42 

492.01 

510.54 

528.95 

547-21 

565.25 

583.04 

31 

469-35 

488.09 

506.76 

525.31 

543- 71 

561.89 

579-82 

597.46 

32 

483-93 

502.75 

521.46 

540.OO 

558.33 

576.4I 

594.19 

6H.65 

33 

498.51 

5^7-37 

536.08 

554-56 

572.80- 

590.72 

608.33 

625.63 

34 

5I3.05 

531.92 

550.57 

568.97 

587.06 

604.82 

622.27 

639-45 

35 

527-5I 

546.33 

564.90 

583.16 

601.09 

618.71 

636.05 

653.17 

36 

541-83 

560.59 

579-03 

597-14 

-614.93 

632.44 

649.73 

666.85 

37 

556.01 

574.64 

592.94 

610.92 

628.61 

646.08 

663.37 

680.52 

38 

569-97 

588.47 

606.65 

624.54 

643:20 

659.68 

677.02 

694.22 

39 

583.73 

602.11 

620.21 

638.08 

655.76 

673.29 

690.69 

707.94 

40 

597-29 

615.61 

633.69 

651.58 

669.33 

686.94 

704.39 

721.69 

4i 

610.70 

629.02 

647.14 

665.12 

682.95 

700.63 

718.14 

735-34   | 

42 

624.04 

642.41 

660.62 

678.70 

•  696.61 

7I4.36 

731-79 

748.93  i 

43 

637.36 

655.83 

674.16 

692.33 

710.33 

728.00 

745.38 

762.54 

44 

650.72 

669.32 

687.75 

706.02 

723.96 

741.60 

.759.02 

776.38  | 

$ 

664.15 

682.88 

701.43 

719.65 

737.56 

755.25 

772.89 

790.55  1 

677.66 

696.52 

715.04 

733.25 

75L23 

769-15 

787.11 

804.92  | 

47 

691.28 

710:12 

728.64 

746.93 

765.18 

783.43 

801.55 

819.19 

48 

704.86 

723.72 

742.34 

760.9O 

779-50 

797.95 

815.91 

832.97 

49 

718.46 

737.43 

756.35 

775-30 

794.IO 

812.40 

829.79 

846.23 

50 

732.19 

751-49 

770.82 

789.99 

808.66 

826.40 

843.17 

859.41 

5i 

746.30 

766.04 

785-61 

804.67 

822.77 

839-89 

856.47 

872.79 

52 

760.93 

780.93 

800.40 

818.9O 

836.40 

853.34 

870  01 

885.62 

53 

775-93 

795.84 

814.77 

832.66 

849.99 

867.05 

883.01 

896.08 

54 

790.98 

810.35 

828.67 

846.41 

863.88 

880.22 

893.60 

906.18 

55 

805.64 

824.41 

842.59 

860.49 

877.24 

890.95 

903.85 

9!5-4i  | 

56 

819  85 

838.51 

856.87 

874.06 

888.12 

901.35 

913.22 

1000.00 

57 

834-I4 

853.00 

870.65 

885.IO 

898.68 

910.87 

1000.00 

58 

848.86 

867.01 

881.86 

895.83 

908.36 

1000.00 

59 

863.11 

878.40 

892.78 

905.67 

1 000  00 

60 

874.69 

889.51 

902.80 

1000.00 

61 

886.01 

899.72 

1000.00 

62 

896.42 

IOOO.CO 

63 

1000.00 

lOPay.L. 


Am.4^ 


Op   Lifk   Im surance. 

335 

Table  No.  CXV. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS,  AMERICAN 
EXPERIENCE,  FOUR  AND  ONE-HALF  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5th 

Year. 

6th 

Year. 

7th 

Year. 

8th 

Year. 

9th     1 

Year. 

230.O2  i 

234.97 

240.13 

245.51 
251.12 

20 
2\ 
22 

23 

24 

20.75 
2I.20 
21.66 
22.15 
22.66 

42.56 
43-47 
44-43 
45-43 
46.48 

65.48 
66.  8q 
68.36 
69.90 
7I.5I 

89.58 
91.51 
93-52 
95.63 
97.82 

II4.9I 
H7-39 
II9.98 
122.67 
12548 

I4I-56 
144.61 
147-79 
151.II 
154.56 

169.57 
173.22 

I77.03 
l8l.OO 
185.14 

I99.O3 
203.32 
207.79 
2 1 2. 44 
217.3O 

25 
26 
27 
28 
29 

23.19 

23-74 
24.32 
24.92 
25-54 

47-57 
48.69 
49.88 
51.10 
52.38 

73.18 
74.92 
76.73 
78.62 
80.59 

IOO.  II 

IO2.48 
IO4.96 

I07.54 
IIO.23 

128.41 
131.46 
134.63 
137-94 
141.38 

158.17 
161.92 
165.83 
169.89 
174-12 

189.46 

193.95 
I98.62 
203.48 

208.55 

222.36 
227.62 
2^3.10 
238.81 
244.74 

256.96 
263.04 
269.37 

275-95 
282.80 

30 
31 
32 

33 
34 

26.19 
26.87 
27.58 
28.30 
29.06 

53-72 
55-IO 
56.54 
58.02 
59-58 

82.63 
84.76 
86.96 
89.26 
91.64 

II3.02 
II5.92 
118.94 
I22.07 
125.32 

144-95 
148.67 

152.53 
156.54 
160.69 

178.52 
183.09 
187.84 
192.76 
197.87 

213.81 
219.28 
224.95 
230.83 
236.93 

250.9I 

257-31 
263.96 
27O.85 
278.OO 

289.92 
297.3I 
304.97 
312.93 
321.18 

35 
36 

11 

39 

29.85 
30.66 
31-51 
32.38 
33-28 

61,19 
62.86 
64.58 
66.36 
68.20 

94  11 
96.66 

99-31 
102.03 
104.86 

128.68 
132-17 
135.77 
139-49 
143-35 

164.99 

169.45 
174.06 

178.83 
183.76 

203.15 
208.63 
214.29 
220.15 
226.20 

243-25 
249.80 

25,6.57 
263.57 
270.79 

285.40 
293.08 
30I.00 
309.I9 
3I7.64 

329.73 

338.57. 
347.72 
357.15 
366.88 

40 

4i 
42 

43 
44 

34.21 
35-18 
36.17 
37.20 

38.25 

70.11 
72.08 
74.11 
76.20 

78.34 

107.78 
no.3o 
113.91 
117. 10 
120.36 

147-33 
I5I-44 
155.66 

159-99 
164.41 

188.84 
I94.O9 
199.46 
204.98 
210.60 

232.44 
238.85 
245.44 
252.17 
259.03 

278.22 
285.87 
293.70 
301.70 
309.84 

326.32 
335.25 
344-38 
353-70 
363.18 

376.88 
387.13 
397.63 
408.34 
419.25 

46 

47 
48 

49 

39-33 
40-43 
41.55 
42.67 

43-79 

80.53 
82.76 
85.02 
87.28 
89.55 

123.70 
127.08 
130.49 
133-91 
J37-33 

168.93 

173-49 
178.09 
182.70 
187.33 

216.32 
222.09 
227.92 
233.78 
239.65 

265.99 
273.03 
280.15 
287.30 
294.49 

318.IO 
326.48 
334-94 
343.46 
352.02 

372.83 
382.60 

392.49 
402.46 
412.50 

430.36 
441.62 
453^4 
464.57 
476.21 

50 
5i 
52 
53 
54 

44.90 
46.02 

47-13 
48.23 
49-32 

91.78 
94-03 
96.28 
98.50 
100.70 

140.76 
144.18 
I47.58 
150.95 
151.27 

191.96 
196.58 
20I.I7 

205.73 
2I0.22 

245.54 
251.36 

257  25 
263.04 
268.76 

301.68 
308.87 
316.03 

323.13 
330.16 

360.61 
369.20 

377-77 
386.28 

394-71 

422.58 
432.69 
442.78 
452.34 
462.82 

487.92 
499.68 
511.46 
523.23 
534-95 

59 

50.39 
51-44 
52.46 
53.46 
54-42 

102.85 
104.96 
107.02 
109.02 
110.93 

157-53 
160.73 
163.85 
166.86 
169.74 

214.64 
218.96 
223.17 
227.23 
231. II 

274-39 
279.89 
285.25 
290.42 
295-39 

337-07 
343.84 
350.44 
356.83 
362.99 

40303 
411. 19 
419.17 
426.93 
434.42 

472.69 
482.42 
49I.98 

50I.3I 
5IO.36 

546.60 
558.14 
569.53 
58O.72 
5QI-67 

60 

55-33 

H2.75 

172.48 

234.82 

300.13 

368.86 

441.60 

5i9.II 

602.34 

AmAl% 


15Pay.L 


336 

Principles   and 

Practice 

Table  No.  CXVI. 

TERMINAL  NET  VALUES 

PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES  BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

13-57 

27.82 

42.77 

58.47 

74.96 

92.29 

IIO.48 

21 

13.90 

28.48 

43-79 

59-87 

76.76 

94.50 

113.12 

22 

14.23 

29.18 

44.87 

61.34 

78.64 

96.80 

II5.88 

23 

14-59 

29.9I 

45-99 

62.87 

80.60 

99.21 

118.75 

24 

14.96 

30.67 

47.16 

64.47 

82.64 

IOI.72 

121.75 

52 

15.36 

31-47 

48.38 

66.13 

84.76 

I04.33 

124.87 

15.76 

32.29 

49.64 

67.86 

86.97 

107.04 

12S.II 

3 

16.18 

33.15 

50.96 

69.66 

89.28 

IO9.88 

I3L49   - 

16.62 

34.05 

52.34 

71.53 

9I.68 

112. 8l 

134-99 

29 

1707 

34-98 

53-77 

■    73-49 

94.17 

II5.87 

138.65 

30 

17-54 

35-95 

55-26 

75.51 

96.76 

II9.05 

142.44 

31 

18.04 

36.97 

56.81 

77.62 

99-45 

122.35 

146.37 

32 

18.56 

38.OI 

58.41 

79.81 

102.24 

125.78 

150.45 

33 

19.08 

39-09 

60.08 

82.08 

105.14 

I29.32 

154.67 

34 

19.64 

40.23 

61.81 

84.44 

108.14 

I32.99 

159.04 

35 

20.22 

41.41 

63.61 

86.87 

in. 25 

136.79 

163.56 

36 

20.81 

42.62 

65.46 

89.39 

114-45 

I4O.72 

168.23 

11 

21.44 

43-88 

67.38 

91.99 

117.78 

144.78 

173-07 

22.07 

45.18 

69.36 

94.69 

121. 21 

I48.98 

178:05 

39 

22.73 

46.52 

71.42 

97.48 

124.77 

153.31 

183  20 

40 

23.41 

47.91 

73-55 

IOO.37 

128.43 

157.78 

188.47 

4i 

24.13 

49-36 

75-76 

I03.35 

132.21 

162.36 

193.89 

42 

24.86 

50.86 

78.02 

I06.4I 

136.07 

167.06 

199.42 

43 

25  63 

52.39 

80.35 

IO9.55 

140.03 

171.84 

205.03 

44 

26.40 

53-97 

82.73 

II2.75 

144.05 

I76.69 

210.70 

it 

27  21 

55  58 

85.16 

I16.OO 

148.12 

181.58 

216.42 

2801 

57-21 

87.62 

II9.27 

152.21 

186.48 

.  222.15 

9 

28.85 

58.87 

90.10 

122.56 

156.31 

I9I.4O 

227.90 

29.68 

60.52 

92.56 

125.83 

160.39 

I96.30 

233.62 

49 

30  50 

62.16 

95.oi 

129.09 

164.47 

20I.I8 

239.32 

50 

31-33 

63.80 

97.46 

132.35 

168.52 

206.O3 

244.97 

51 

32.15 

65-44 

99.91 

135-59 

172.55 

2IO.84 

250.57 

52 

32.98 

67.08 

102.34 

138.81 

176.53 

215.60 

256.09 

53 

33-So 

68.70 

104.75 

I4I.98 

180.47 

220.29 

261.53 

54 

34.6i 

70.31 

107  13 

145.12 

184.35 

224.89 

266.85 

55 

35-43 

71.91 

109.48 

148.21 

188.15 

229.39 

272.03 

56 

36.23 

73.48 

111.80 

I5I.24 

191.87 

233-76 

277.05 

s 

37.02 

75.04 

114.09 

154.21 

195-49 

238.OI 

281.91 

37-82 

76.58 

116.32 

157-10 

198.99 

242.IO 

286.58 

59 

38.59 

78.08 

118.49 

159.89 

202  36 

246.O3 

291.00 

60 

39  35 

79-53 

120.59 

162.58 

205.60 

249-74 

295-17 

61 

40.09 

8095 

122.63 

165.17 

208.67 

253-23 

299.04 

62 

40  82 

82.33 

124.59 

167.62 

211.53 

256.46 

302.56 

63 

41-53 

83.67 

126.44 

169.91 

214.18 

259-36 

305.69 

64 

42. 2 1. 

84.92 

128.17 

172.01 

216.54 

261.92 

308.36 

3 

42.85 

86.09 

129.75 

173.89 

218.61 

264  09 

310.58 

43-45 

87.18 

131. 18 

175-54 

220.37 

265.87 

312.40 

3 

44.02 

88.15 

132.45 

176.96 

221.83 

267.37 

313.97 

44-53 

89.04 

133-55 

178.17 

223.12 

268.74 

315.48 

69 

45.02 

89.84 

134.55 

179-31 

224.42 

270.23 

317.17 

70 

45-45 

90.59 

135.55 

180.58 

225.97 

272.07 

319.30 

15Pay.L. 


AmAl% 


Of   L,ifk 

Insurance. 

337 

Table  No. 

CXVL— Concluded. 

TERMINAL 

NET  VALUES  PER  $1000 

OF  WHOLE  LIFE  POLL 

CIES  BY  FIFTEEN  EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE 

,  FOUR  AND 

ONE-HALF  PER  CENT. 

8  th 

9th 

10th 

llth 

12  th 

13th 

14th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

129.58 

149.66 

170.74 

I92.89 

216. 17 

240.64 

266.34 

21 

132.68 

153.23 

174.8T 

197.49 

221.31 

2*6.34 

272.64 

22 

135-91 

156.95 

179-05 

202.27 

226.66 

252.28 

279  22 

23 

139.27 

160.83 

183.47 

207.25 

232.23 

258.47 

286.05 

24 

142.78 

164.87 

188.07 

212.43 

238.03 

264.91 

293.16 

3 

146.44 

169.08 

192.85 

217.83 

244.05 

271.60 

300  54 

150.23 

173-44 

197.83 

223.43 

250.32 

278.55 

308.21 

27 

154-17 

178.OO 

203.OO 

229.26 

256.82 

285.77 

3'6.i7 

28 

158.28 

182.72 

208  38 

235.30 

263.58 

293.26 

324-44 

29 

162.55 

187.63 

213-95 

241.58 

270.58 

3OI.O3 

333-OI 

30 

166.98 

I92.72 

219.73 

248.08 

277.84 

309.08 

341.89 

3i 

171-57 

I98.OO 

225.72 

254.82 

285.36 

317-43 

35i.o8 

32 

176.32 

203.46 

231-93 

261.80 

293.16 

326.05 

360.59 

33 

181.24 

209.12 

238.36 

269.03 

30I.2I 

334-97 

370.40 

34 

186.35 

2  [4  98 

245.01 

276.50 

309.53 

344-17 

380.52 

35 

191.62 

22I.04 

251.87 

284.21 

318.IO 

353-64 

390.93 

36 

197.07 

227.29 

258.96 

292.14 

326.92 

363.38 

401.60 

37 

202.70 

233-74 

266.24 

300.30 

335.98 

373-36 

412.54 

38 

208.50 

240.36 

273.73 

308.67 

345.25 

383.56 

423-7I 

39 

214.46 

247.18 

281.41 

3I7.23 

354-71 

393.96 

435-IO 

40 

220.58 

254-15 

289.25 

325.95 

364-35 

404.56 

446.70 

4i 

226.84 

261.26 

297.22 

334-82 

374-15 

4I5.33 

458.49 

42 

233.20 

268.47 

305.3I 

343-81 

384-08 

426.24 

470.45 

43 

239-65 

275.78 

313  50 

352.91 

394-12 

437.28 

482.54 

44 

246.16 

283.15 

321-75 

362.08 

404-25 

448.41 

494-75 

45 

252.72 

29O.57 

330.06 

37i-3o 

414.43 

459.62 

507.06 

46 

259-30 

298.OI 

338.38 

380.54 

424.64 

470.87 

519-43 

47 

265.88 

305.45 

346.71 

389-79 

434-87 

482.14 

531.84 

48 

272.44 

312.86 

355-00 

399.00 

445.06 

493-38 

544-24 

49 

278.96 

320.22 

363.23 

408. 16 

455-2o 

504.58 

556.62 

50 

285.43 

327.52 

37I.40 

417.23 

465.24 

5I5.70 

568.95 

5^ 

291.82 

334-73 

379-45 

426.18 

475.16 

526.70 

581.18 

52 

298.13 

341.83 

387.37 

434.98 

484.93 

537.56 

593-28 

53 

304-3I 

348.78 

395.13 

443  60 

494.51 

518.21 

605.21 

54 

310.34 

355-55 

402.68 

452.00 

503  84 

558.63 

616.92 

55 

316.21 

362.13 

41O.OI 

460.14 

512.89 

568.77 

628.38 

56 

321.89 

368.48 

417.06 

467.97 

521.62 

578.57 

639-54 

57 

327-36 

374-56 

423.80 

475-45 

529.97 

588.OO 

650.36 

58 

332  58 

380.34 

430.20 

482.53 

537.90 

597-OI 

660.81 

59 

337-50 

385.78 

436.17 

489.16 

545-35 

605.55 

670.89 

60 

342.IO 

390.81 

441.70 

495.28 

552.27 

613.62 

680.62 

61 

346.32 

395-40 

446.70 

500.84 

558.65 

621.23 

690.02 

62 

350.II 

399-47 

451.14 

505.83 

564.51 

628.40 

699  1 1 

63 

353-42 

402.99 

455-00 

510.27 

569.86 

635.I4 

707.89 

64 

356.21 

405-97 

458.33 

514.21 

574-75 

641.46 

716.36 

65 

358.51 

408.47 

461.22 

5I7-7I 

579.22 

647  37 

724.47 

66 

360.44 

410.63 

463.76 

520.87 

583.28 

652.85 

732.21 

67 

362.15 

412.59 

466.10 

523.75 

586.99 

657.91 

739  44 

68 

363.86 

414.55 

468.37 

526.45 

590.39 

662.41 

746.17 

)6o 

365.78 

416.68 

470.70 

529.07 

593-35 

666.36 

752.4J 

[70 

368.12 

419.12 

473.22 

53L45 

595.90 

669.78 

758.24 

Am.4^ 


20Pay.L 


33& 


Principles  and   Practice 


Table  No.  CXVII. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES    BY    TWENTY    EQUAL   ANNUAL   PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF    PERCENT. 


Age. 


20 
21 
22 

23 

24 

3 

3 

29 

30 
31 
32 
33 
34 

9 

a 

39 

40 
41 
42 
43 
44 

49 

50 

5i 
52 
53 
54 

5I 
56 

5Z 
58 

59 
60 


1st 

Year. 


IO.  1 1 

I0.37 
IO.65 
IO.95 
11.26 


2d 

Year. 


.58 
.91 


I 

1: 

12.26 
12.63 
13.00 


1 3- 40 
13.81 
14.24 
14.68 
15-14 

15.64 
16.13 
16.66 
17.19 
17.76 

18.33 
18.95 
19.58 
20.24 
20.92 

21.63 
22.34 
23.08 
23.82 
24.56 

25-31 
26  06 
26.83 
27.61 
28.40 

29.20 
30.00 
30.82 
31.66 
32.50 

33.35 


20.71 
21.25 
21.83 
22.43 
23.06 

23.72 
24.40 
25.11 

25.85 
26.62 

27-43 
28.28 
29.14 
30.04 
31.00 

31.98 
33.00 
34.06 

35.15 
36.20 

37.48 
38.71 
40.00 
41-32 
42.69 

44.09 
45-53 
46.99 

48.45 
49.92 

51.39 
52.89 
54-40 
55-93 
57-47 

59-03 
60.60 
62.20 
63.81 
65-43 

67.06 


3d 

Year. 


31.82 
32.66 
33-54 
34-47 
35-44 

36.44 
37-49 
38.58 
39.71 
40.90 

42.13 
43-41 
44-74 
46.13 
47.58 

49.08 
50.63 
52.24 
53-90 
55-65 

57-45 
59-33 
61.27 

63.27 
65-32 

67.43 
69.58 
71.74 
73-91 
76.07 

78.26 
80.47 
82.70 

84-95 
87.21 

89.48 

91.79 
94.11 

96.44 
98.77 


4th 

Year. 


43.47 
44.62 

45.83 
47.09 
48.41 

49.78 
5I.20 
52.69 
54-24 

55.85 

57.52 
59-27 
61.08 
62.96 
64-93 

66.96 
69.06 
71.23 
73-50 

75.85 

78.29 

80.82 
83.42 
86.10 

88.85 

91.65 
94.48 

97-33 
100.18 
103.04 

105.92 
108.82 
in. 73 
114.66 
117.60 

120.57 

123.54 
126.53 
129.51 
132.48 

135.46 


5th 

Year. 


55-70 
57.18 
58.72 
60.33 
62.OI 

63.76 
65.58 
67.48 
69.46 
71.51 

73.64 

75  87 
78.18 
80.58 
83.06 

85.65 
88.31 
91.08 
93-95 
96.94 

IOO.OI 
103.21 
IO6.48 
IO9.85 
113.27 

II6.75 
120.25 
123.77 
127.29 
130.82 

134-37 
137-93 
141-50 
145.08 
148.67 

152.26 
155.86 

159-44 
163.02 
166.57 

1 70. 1 1 


6th 

Year. 


68.53 

70.34 
72.23 
74.21 
76.27 

78.42 
80.65 
82.98 
85.40 
87.91 

9°-53 
93-25 
96.07 
99.00 
102.04 

105.18 
108.43 
111.81 
115. 3i 
118.93 

122.67 
126.52 
130.47 
134-51 
138.60 

142.74 
146.89 
151.07 
155-25 
159-43 

163.62 
167.82 
172.01 
176.21 
180.40 

184.58 
188.73 
192.86 
196.97 
201.03 

205.02 


7  th 

Year. 


81.98 

84.15 
86.41 

88.77 
91.23 

93-79 

96.45 

99.22 

102.10 

105.10 

108.21 
in-45 
114.79 
118.27 
121.87 

125.60 
129.46 

133.47 
137.60 
141.88 

146.27 
150.79 
I55-4I 
160. 1 1 

164.85 

169.63 
174.44 
179.26 
184.08 

188.89 

193.69 
198.49 
203.29 
208.06 
212.80 

217.51 
222.17 
226.80 
231.36 
235.83 

240.19 


20Pay.L. 


Am.4J* 


Of  Life  Insurance. 

339 

Table  No.  CXVII 

— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLL 

CIES  BY 

TWENTY 

EQUAL 

A.NNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

8th 

9th 

lOth 

llth 

13th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

96.IO 

IIO.9I 

126.45 

142.75 

159.86 

177.81 

21 

98.64 

113-83 

129.77 

146.49 

164.04 

182.44 

22 

IOI.28 

116.87 

I33.23 

150.39 

168.38 

187.26 

23 

IO4.03 

I20.05 

136.84 

154-44 

172.91 

192.28 

24 

IO6.9I 

123.35 

140.59 

158.66 

177.62 

197.50 

25 

IO9.9O 

126.79 

144.49 

163.06 

182.52 

202.92 

26 

113  OO 

130.35 

148.55 

167.62 

187.60 

208.54 

3 

IIO.24 

I34.08 

152.77 

172.36 

192.88 

214.38 

II9.60 

137.94 

157.15 

177.27 

198.35 

220.43 

29 

I23.IO 

I4L95 

161.69 

182.37 

204.OI 

226.69 

30 

126.73 

146. I I 

166.40 

187.64 

209.89 

233.I9 

31 

130.49 

150.42 

171.28 

193.12 

215.98 

239.91 

32 

134-39 

I54.S8 

176.34 

198.78 

222.27 

246.84 

33 

138.42 

159-51 

I8I.57 

204.64 

228.77 

254.OI 

34 

142.61 

164.30 

186.99 

210.70 

235-49 

261.39 

35 

146.95 

169.26 

I92-59 

216.95 

242.40 

268.98 

36 

I5I-44 

174-39 

198.36 

223.38 

249.50 

276.75 

3 

156.07 

179.68 

204.30 

229.99 

256.78 

284.70 

160.86 

185. II 

210.41 

236.76 

264.21 

292.79     , 

39 

I65-79 

I9O.71 

216.67 

243-68 

271.78 

30I.02 

40 

170.85 

196.44 

223.04 

250.70 

279.46 

309-35 

4i 

176.04 

202.27 

229.52 

257-83 

287.23 

317.78 

42 

181. 31 

208.19 

236.08 

265.03 

295.07 

326.27 

43 

186.65 

214.17 

242.70 

272.29 

302.97 

334-79 

44 

192.04 

220.20 

249-36 

279-57 

310.88 

343-33 

* 

197.46 

226.26 

256.05 

286.87 

318.79 

351.85 

202.91 

232.32 

262.73 

294-15 

326.67 

360.33    ! 

% 

208.36 

238.39 

269.39 

301.41 

334.50 

368.75 

213.80 

244.42 

276.OI 

308.61 

342.27 

377-07 

49 

219.21 

250.43 

282.59 

315.73 

349-93 

385-27 

50 

224.61 

256.40 

289.II 

322.78 

357-49 

393-33 

5i 

229.99 

262.33 

295.56 

329-72 

364.91 

401.24 

52 

235-34 

268.20 

301.92 

336.55 

372.20 

408.96 

53 

240.65 

274.OO 

308.18 

343-25 

379-31 

416.46 

54 

245.90 

279.72 

314-34 

349.81 

386.22 

423-7I 

55 

251.09 

285.36 

320.37 

356.17 

392.89 

430.67 

56 

256.22 

290.89 

326.23 

362.33 

399-30 

437.30 

57 

261.26 

296.28 

33I.92 

368.25 

405-40 

443-56 

i     58 

266.20 

30T.52 

337.38 

373-88 

4ii-i5 

449-39 

59 

270.99 

306.56 

342.59 

379- 19 

416.49 

454.76 

60 

275.64 

311.39 

347.52 

384.14 

421.43 

459-71 

AmAl% 


20Pay.L 


340 

Principles  and 

Practice 

Table  No.  CXVIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE  POLI- 

CIES  BY 

TWENTY 

EQUAL  ANNUAL  PREMIUMS, 

AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

14th 

Year. 

18th 

Year. 

16th 

Year. 

irth 

Year. 

18th 

Year. 

19th 

Year. 

20 
21 
22 

23 

24 

196.64 
201.75 
207.07 
2I2.60 

218.35 

216.41 
222.02 
227.85 

233.91 
240.20 

237.15 
243.28 
249.65 
256.26 
263.13 

258.93 
265.59 
272.51 
279.71 
287.16 

281.78 
289.OO 
296.51 
304.30 
312.38 

305.76 
3I3.58 
321.69 
330.II 

338.84 

% 

29 

224.31 
230.50 
236.9I 
243-56 
250.45 

246.74 
253.51 
260.53 
267.80 

275-34 

270.24 
277.63 
285.28 
293.21 
301  40 

294.90 
302.92 
311.23 
319.83 
328.71 

320.76 
32945 
338.43 
347-72 
357.31 

347.89 
357.26 
366.95 
376.96 
387.27 

30 
31 
32 

33 
34 

257.58 
264.95 
272.56 
280.39 

2S8.45 

283.12 
291.16 
299-45 
307.97 
316.73 

309.87 

318.59 
327.58 
336.81 
346.25 

337.87 
347-30 
357-00 
366.93 
377-09 

367.19 
377-35 
387.77 
398.43 
409.31 

397.89 
408.79 

419-95 
43I-36 
443.00 

18 

37 
38 
39 

296.72 
305.I8 

313.79 
322.56 

331-45 

325.68 
334.82 
344-12 
353-56 
363-14 

355-9° 
365.73 
375-73 
385.88 

396.15 

387.45 
398.OO 
408.72 
4I9.58 
430.57 

420.41 
431.70 
443.16 

454-77 
466.51 

454-87 
466.93 
479- J7 
491-57 
504. 10 

40 

4i 
42 

43 
44 

340.45 
349-53 
358.67 
367.84 
377-00 

372.81 
3S2.56 
392.36 
402.19 
412.00 

406.51 
416.95 
427.44 
437-94 
448.43 

44I.65 
452.81 
464.OI 
475-22 
486.42 

478.35 
490.26 
502.22 

514.19 
526.14 

5i6.74 
529.46 
542.23 
555-03 

567.81 

49 

386.15 

395.24 
404.24 

4I3-I3 
421.86 

421.78 

431-49 
441.09 
450.56 
459-86 

458.87 
469.22 
479-45 
489.54 
499-44 

497-55 
508.59 
5I9-52 
530.28 
540.83 

538.03 
549.84 
561.53 
573-04 
584.35 

580.56 
593-22 
605.78 
618.17 
630.38 

50 
5i 
52 
53 
54 

430.44 
438.83 
446.98 
454.87 
462.46 

468.97 
477.84 
486.46 
494.76 
502.71 

509.  n 

518.53 
527-65 
536.41 
544-79 

55LI5 
561.18 
570.88 
580.22 
589.14 

595.41 
606.18 
616.62 
626.68 
636.34 

642.35 
654.05 
665.44 
676.49 
687.22 

U 
59 

469.71 
476.56 
482.97 
488.90 
494-36 

510.27 

5I7-38 
523.99 
530.12 
535.8o 

552.73 
560.19 
567.16 
573.67 
579-76 

597.60 
605.61 
613.17 
620.31 
627.07 

645.59 
654.44 
662.92 
671.05 
678.85 

697.63 
707-75 
717.61 
727.21 
736.56 

60 

499.41 

541-10 

585.49 

633.49 

686.32 

745.62 

lOYr.End. 


Am.41* 


Of    Lifk 

Insurance. 

341 

Table  No.  CXVIII. 

TERMINAL  VALUES  PER  $1000  OF  TEN  YEAR  ENDOWMENT 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MA- 

TURITY,  AMERICAN  EXPERIENCE,  FOUR  AND 

ONE-HALF  PER  CENT. 

Age. 

20 
21 
22 

23 

24 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5th 

Year. 

6th 

Year. 

7th 

Year. 

8  th 

Year. 

9th 

Year. 

78.39 
78.37 
78.36 

78.34 
78.33 

160.91 
160.88 
160.85 
160.82 
160.79 

247.78 
247.74 
247.70 
247.66 
247.62 

339.26 
339.21 
339- l6 
339- IJ 
339.o6 

435-59 
435-53 
435.48 
435.42 
435-36 

537.04 
536.98 
536.92 
536.86 
536.79 

643.89 
643.83 
643.78 
643.72 
643.65 

756.45 
756.41 
756  36 
756.31 
756.25 

875.04 
875.01 
874.98 
874.95 
874.92 

11 

27 
28 
29 

78.31 
78.29 
78.28 
78.26 
78.24 

160.76 
160.73 
160.69 
160.65 
l6o  6l 

247.58 
247.53 
247.48 
247.42 
247.36 

339.00 
338.94 
338.87 
338.81 
338.73 

435  29 
435-22 
435.14 
435-07 
434.98 

536.72 
536  65 
536.57 
536.48 
536  39 

643.59 
643.52 
643.44 

643.35 
643.26 

756.20 
756.14 
756.07 
756.00 
755.92 

874.88 
874.84 
874.80 
874.76 
874.71 

30 
31 
32 

33 
34 

78.22 
78.20 
78.18 

78.15 
78.12 

160.58 
160.54 
160.49 
160.43 
160.39 

247-31 
247.24 
247.17 
247.IO 
247.02 

338  66 
338.57 
338.48 
338.39 
338.29 

434.89 
434.79 
434.69 
434.58 
434.45 

536.29 

536.19 
536.08 

535.95 
535-81 

643.17 
643.06 

642.95 
642.82 
642.69 

755.84 
755-75 
755.65 
755-54 
755.42 

874.66 
874.60 
874-54 
87447 
874-39 

37 
38 
39 

78.IO 
78.07 
78.04 
77-99 
77.96 

160  33 
160  27 
I60.20 
l6o.I2 
160.04 

246.94 
246.84 
246.74 
246.62 
246.50 

338.18 
338.05 
337-91 
337.76 
337.6o 

434.32 
434.16 
434.00 
433.82 
433-64 

535-66 
535.50 
535.32 
535.13 
534.92 

642.54 

642.37 
642.20 
642.OO 
641.79 

755.29 
755.15 
754-99 
754-82 
754-63 

874.31 
874.22 
874.II 
874.OO 
873.88 

40 
4i 
42 
43 
44 

77.91 

77.88 

77.84 
77.80 

77.75 

159.96 
159.88 
I59.8o 
159.71 
I59-6I 

246.38 
246.25 
246.12 
245.98 
245.81 

337-44 
337.27 
337.o8 
336.88 
336.66 

433-44 
433-23 
432.99 
432.73 
432.45 

534.69 
554.45 
534-18 
533-88 
533-53 

641.55 
64130 
641.02 
640.69 
640.33 

754.42 
754-19 
753-93 
753-63 
753.29 

873.74 
873.58 
873.40 
873-20 
872.98 

% 

49 

77.72 
77.66 
77.6o 
77-53 
77-43 

159.51 
159.38 
159-25 
159.07 

I58.84 

245.64 

245-44 
245.19 
244.89 
244.52 

336.41 
336.10 

335-74 
335-31 
334-8i 

432.11 
431.71 
43L25 
430.71 
430.08 

533-13 
532.67 
532.13 
531.51 
530.80 

639.90 
639.41 

638.85 
638.20 
63747 

752.90 
752.46 
751.95 
751-37 
750.72 

872.72 

872.43 
872.O9 
87I.70 
871.27 

50 
5i 
52 
53 
54 

77.31 
77-17 
77.01 
76.84 
76.64 

158.58 
I58.28 
157.94 
I57.56 
157.14 

244.10 
243.63 
243.10 
242.51 
241.84 

334.24 
333.59 
332.87 
332.06 
33i  15 

429.38 
428.58 
427  69 
426.69 
425-58 

529.99 
529.09 
528.08 
526.96 
525.71 

636,64 
635.72 
634.68 

633.53 
632.25 

749.98 
749.16 
748.24 
74-. 22 
746.07 

870.79 
870.25 
869.65 
868.98 
868.23 

p 

59 

76.42 
76.17 
75.90 
75.6i 
75-28 

156.66 
156.13 
155.56 
154.93 
154-23 

241.10 
240.28 
239-38 

238.39 
237.29 

330  15 
329.04 
327-83 
326.47 
32498 

424.35 
422.99 
421.49 
419.82 
417.99 

524.33 
522.79 
521.08 
519-21 
517.14 

630.83 
629.25 
627.50 
625.58 
623.44 

744.8i 
743.40 
741.84 
740.11 
738.19 

867.39 
866.47 
865.44 
864.29 
863.02 

60 

74.92 

153.46 

236.08 

323-35 

4I5.99 

514.86 

621.08 

736.07 

86l.6l 

Am.4l* 


15Yr.End. 


342 

Principles  and   Practice 

Table  No.  CXIX. 

TERMINAL  NET  VALUES  PER  $1000  OF  FIFTEEN-YEAR  EN- 

DOWMENT POLICIES  BY   EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY, 

AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4  th 

Year. 

5th 

Year. 

6th 

Year. 

rth 

Year. 

20 
21 
22 

23 

24 

45-37 
45-36 
45-34 
45-34 
45-33 

93.IO 
93.08 
93-06 
93.04 
93-03 

143.34 
I43-30 
143.28 
143-25 
143.23 

I96.2I 
196.17 
196.13 
I96.IO 
196.06 

251.86 
251.81 
25L77 
251.72 
251.68 

310.45 
310.39 
310.34 
310.28 
310.22 

372.13 
372.07 
372.00 
37L94 
371.87 

3 

3 

29 

45-33 
45.32 
45-31 
45.30 
45.29 

93-02 
93.OO 
92.98 
92.97 
92.95 

143.20 
143-18 
143-15 
143.12 
I43.IO 

196.03 
195.99 
195.95 
195.91 
195.87 

251.63 

251.58 
25L53 
251.48 
251.42 

3IO.I6 
3IO.IO 
3I0.04 

309.97 
309.9O 

37I.80 
37L73 
37I.65 
37L57 
371.48 

30 
31 
32 
33 
34 

45.29 
45.29 
45.28 
45.27 
45.27 

92.94 

92.93 
92.91 
92.89 
92.89 

I43.07 
I43.05 
I43-02 
I43.00 
142.98 

195.83 
195.79 
195.76 
195.72 
195.68 

25L37 
251.32 
251.26 
251.20 
251.14 

309.84 
309.76 
309.69 
309.61 
309.53 

37I.40 
37I-3I 
37L2I 
37LIO     1 
370.99 

9 

II 

39 

45.27 
45.27 
45.28 
45-27 
45.28 

92.88 
92.88 
92.87 
92.87 
92.87 

142.96 
142.94 
142.92 
I42.9I 
I42.9I 

195.65 
I95-6I 
195.57 
195.54 
195-53 

251.O9 
251.02 
250.96 
250.92 
250.89 

309-44 
309-35 
309.27 
309.20 
309.14 

370.88 
370.76 
370.66 
370.55 
370.46 

40 

4i 
42 

43 
44 

45.29 
45-32 
45-35 
45-39 
45-43 

92.89 

92.93 
92.98 

93.04 
93.12 

142.93 
142.97 
143.02 
I43.O9 
I43.I6 

195-54 
195-57 
I95-6I 
195.66 
195.72 

250.87 
250.88 
250.89 
250.91 
250.92 

3O9.O9 
309.05 
309.02 
308.99 
308.92 

370.36 
370.28     | 
370.I8 
370.06 
369.91 

47 
48 

49 

45.49 
45-54 
45.60 
45.66 
45.70 

93.20 
93.28 
93-37 
93-43 
93-47 

143.25 
143.33 
I4340 
143-43 
143.43 

195.78 
195.81 
I95.82 

195.79 
195.72 

250.92 

250.88 
250.80 
250.67 
250.50 

308.83 
308.68 
308.49 
308.25 
307.94 

369.70 
369.44 
369.13 

368.74 
368.27 

50 
5i 
52 
53 
54 

45-74 

45.78 
45-8i 
45-86 
45.89 

93-51 
93-54 
93-57 
93-59 
93.61 

I43.42 
143.41 
143.37 
143-33 
143.27 

195.63 
195.52 
I95.38 
195.22 
I95.O4 

250.28 
250.04 

249-75 
249.43 
249  08 

307-58 
307.16 
306.70 
306.18 
305.61 

367-74 
367.13 
366.46 
365-72 
364.89 

P 

57 
58 
59 

45-93 
45.97 
46.03 
46.09 
46.16 

93.63 
93-65 
93-69 
93-73 
93.78 

143.22 
I43-I6 
I43.IO 
I43-05 
142.98 

194.84 
194.64 
194.42 
194.18 
193-93 

248.69 
248.27 
247.82 

247-34 
246.83 

304.98 
304-30 
303.56 
302.78 
301.93 

363.99 
363.OO 

361.94 
360.80 

359-55 

60 

46.23 

93.83 

142.92 

I93-67 

246.28 

30I.00 

358.18 

15Yr.End. 


Am.41* 


Of 

Lifk  Insurance. 

343 

Table  No.  CXIX.— Concluded. 

TERMINAL  NET  VALUES  PER  $ioco  OF  FIFTEEN-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  PER  CENT. 

Age. 

8th 

Year. 

9th 

Year. 

IOUi 

Year. 

11th 

Year. 

12th 

Year. 

1.1th 

Year. 

14th 

Year. 

20 
21 
22 
23 

24 

437.08 
437-OI 
436.94 
436.86 
436.79 

505.48 
505.40 
505.32 
505.24 
505.16 

577.52 
577-44 
577.36 
577-27 
577.18 

653.40 
653-33 
653-25 
653.16 
653.07 

733-35 
733-28 
733-21 
733-13 
733.05 

8:7.60 

817.54 
817.48 
817.42 
817.35 

906.40 
906.36 
906.32      1 
906.28 
906.24 

25 
26 

2 

29 

436.71 
436.62 

436.53 
436.44 

436  34 

505.07 
504.97 
504.87 

504.77 
504.C6 

577-09 
576.99 
576.88 

576.77 
576.64 

652.97 
652.87 
652.76 
652.65 
652.52 

732.96 
732.86 
732.76 
732.65 
732.52 

817.28 
817.20 
8i7.II 
817.02 
816.92 

906.20 
906.15 
9'  6.09 
906.04 
905.97 

30 
3i 
32 
33 
34 

436.24 
436.12 
4*6.00 
435-87 
435-74 

504.54 
504  41 
504.26 
504.I2 
503.96 

576.51 
576.37 
57621 
576.05 

575.88 

652  38 
652.24 
652.07 
651.90 
651.71 

732.39 
732.25 
732.10 
731-93 
731-75 

816.80 
816.69 
816.55 
816.41 
8l6.25 

905.90 
905.83 
905.74 
905.65 
905.55 

36 

3Z 
38 

39 

435.6o 
435  46 
435  31 
435.17 
435.03 

503.80 
503  63 
503  45 
503.27 
503.08 

575.69 
575.50 
575.29 
575  07 
574-84 

65^.52 
651.31 
651.08 
650.84 
650.56 

73L55 
73i  34 
73i.li 
730.85 
730.56 

816.08 
815.89 
815.68 

815-45 
815.I9 

905.44 
905.3I 
905.18 
905.02 
904.84 

40 

4i 
42 

43 
44 

434.89 
434-74 
434- 56 
434-35 
434.09 

502.88 
502.66 
502.40 
5<)2  09 
501.72 

574-58 
574-29 
573-94 
573-55 
573.09 

650.26 
649.91 
649.51 
649  06 
648.53 

730.24 
729.87 
729.46 
728.98 
728.44 

814  89 
814.56 
814.18 
813.76 
81327 

904.65' 
904.43 
904.18 
903.89 
903.57 

9 

49 

433-77 
433-39 
432.93 
432.39 
43L75 

50I.29 
5OO.78 
500.I8 
499.49 
498.70 

572.56 
571-93 

571-22 

570.40 
56947 

647.93 
647-23 
646.44 
645- 54 
644.52 

727.82 
727.11 
726.30 
725-39 
724  37 

812.72 
812.09 
8H.38 
8lO  58 
809.68 

903.21 
902.80 

902.35 
901.82 
9OI.24 

50 
51 
52 
53 

54 

431.04 
430.24 

429-34 
428.36 
427.26 

497.80 
496.81 
495-70 
494.47 
493." 

568.43 
567.27 

56597 

564-  54 
562.96 

643-38 
642. 1 1 
640  69 
639.13 
637.41 

723.23 
721.95 
720.54 
718.97 
717.23 

808.68 
807.56 
806.32 
804.93 
803.40 

900. 5S   ! 
899.86 
899.05    ; 
898.14   1 
897.14 

59 

426.06 

424.76 

423  35 
421.81 
420.12 

491.63 
490.01 
488.24 
486.31 
484.18 

561.23 
559  32 
557  24 
554-95 
552.43 

635.5I 
633-4I 
631.12 
628.58 
625.79 

7I5.3I 
713-20 
710.86 

708.28 
705.42 

801.70 
799-83 

797-75 
795-44 
792.89 

896.03 

894.79 
893.42 
891.89 
8qo.2i 

60 

418.27 

481.83 

549-65 

622  68 

702.24 

790.05 

888.34 

Am.4J*' 


20Yr.End 


344 


Principles  and  Practice 


Table  No.  CXX. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY- YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

II 

29 

30 
31 
32 
33 
34 

S 

3 

39 

40 

41 
42 
43 
44 

49 

So 
5i 
52 
53 
54 

5I 
56 

57 

58 

59 

60 


1st 

Year. 


29-45 
29.44 
2944 
29.44 
29.44 

29-45 
29  45 
29.46 
29.47 
29.48 

29.50 
29.52 

29-54 
29.56 

29.59 

29.64 

29.68 
29.74 
29.79 
29.87 

29-95 
30.06 
30.18 
30.33 
30.48 

30.66 
30.85 
31.08 
31.29 
3i-5i 

31-74 
32.00 
32.27 

32.57 
32.89 

33-25 
33.62 
34-03 
34-43 
34-95 

35-22 


2d 

Year. 


60.40 
60.4O 
60.40 
60.40 
60.4I 

60.42 
60.42 

60.44 
60.45 
60.47 

60.50 
60.54 
60.57 
6o.6l 
60.68 

60.76 
60.84 
60.94 
61.05 
61.19 

61.36 
61.56 
61.80 
62.06 
62.36 

62.69 
63.04 
63-43 
63.83 
64.23 

64.66 
65.12 
65-63 
66.17 
66.76 

67.40 
68.09 
68.84 
69.66 
70.52 

7I.I8 


3d 

Year. 


92.98 
92.97 
92.96 

92.97 
92.97 

92.98 
92.99 
93-00 
93.02 
9305 

93-09 
93-13 
93.18 
93-25 
93-33 

93-44 
93-55 
9369 
93.84 
94-05 

94.29 
94.58 
94.90 
95-28 
95-69 

96.15 
96.63 
97.14 
97.67 
93.20 

98.78 

99.41 

100.09 

100.83 

101.62 

102.48 
103.42 
104.44 
105  54 
106.70 

107.94 


4  th 

Year. 


127.23 
127.22 
127.22 
127.22 
127.22 

127.23 
127.24 
127.25 
I27.28 
I27.3I 

127.34 
127-39 
127.46 

127.53 
127.64 

I27.76 
127.9O 
I28.06 
128.26 
128.52 

128.82 
129.17 
129.58 
130.03 
130.54 

I3L09 
131.65 
132.25 
132.85 
I33-4Q 

134-17 
134-9' 

135-71 
136.57 
I37.50 

138.53 
13965 
140.85 
142.14 
I43-5I 


5th 

Year. 


163.27 
163.26 
163.25 
163.25 
163.25 

163.25 
163.26 
163.27 
163.30 
163.32 

163.36 
163.42 
163.48 
163.57 
163.68 

163.81 
163.96 
164.16 
164.39 
164.69 

165.03 

I65-44 
165.89 
166.41 
166.97 

167.56 
168.16 
168.80 
169.46 
170.14 

170.87 
171.67 
172.52 
173-45 
174-47 

175-59 
176.79 
178.09 
179.48 
180.97 


6th 

Year. 


144.98  I  182.57 


20I.20 
20I.I8 
20I.I6 
20I.I5 
201.15 

201.15 
20I.I5 
20I.I6 
20I.I7 
20I.20 

201.24 
20I.29 
20I.36 
20I.44 
201.55 

201.68 
201.85 
202.06 
202.32 
202.63 

203.OI 
203.44 
203.93 

204.47 
205.04 

205.63 
206.24 
206.88 

207.54 
208.22 

208.96 
209.75 
2ro.6i 

211-55 
212.58 

213.70 
214.91 
216.22 
217.63 
219.13 

220.71 


7  th 

Year. 


24I.IO 
241.07 
241.06 
241.04 
241.02 

24I.02 
241.01 
24I.OI 
24I.02 
241.04 

24I.O7 
241.12 
24I.I7 
241.25 
241.35 

24I.49 
24I.65 
24I.87 
242.14 
242.47 

242.84 
243.28 

243-77 
244.29 
244.83 

245.40 
245-97 
246.57 
247.19 

247.82 

248.50 
249.24 
250.05 

250.93 
251.89 

252.94 
254.08 

255-31 
256.48 
258.03 

259.48 


20Yr.End. 


AmAl% 


Of    Life  Insurance. 

345 

Table  No.  CXX.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF 

PER  CENT. 

Age. 

8th 

9th 

lOth 

11th 

12th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

283.  IO 

327.30 

373-82 

422.80 

474-37 

528.68 

21 

283.06 

327.25 

373-77 

422.74 

474-30 

528.60 

22 

283.03 

327.21 

373-72 

422.68 

474.23 

528.52 

23 

283.01 

327.18 

373-67 

422.62 

474.16 

528.44 

24 

282.99 

327.I5 

373.63 

422.56 

474.09 

528.35 

2§ 

282.97 

327.I2 

373.58 

422.51 

474-02 

528.27 

26 

282.95 

327.08 

373-54 

422.45 

473-95 

528.18 

27 

282.94 

327.07 

373-51 

422.40 

473-87 

528.09 

28 

282.94 

327.05 

373-48 

422.34 

473  80 

527-99 

29 

282.95 

327.05 

373.45 

422.29 

473.72 

527.89 

30 

282.97 

327.05 

373-43 

422.25 

473.65 

527.80 

31 

283.00 

327.06 

373-42 

422.21 

473.59 

527.72 

32 

283.04 

327.08 

373.42 

422.I9 

473-54 

527.63 

33 

283.10 

327.13 

373-44 

422.19 

473-51 

527.56 

34 

283.20 

327.20 

373.5o 

422.21 

473.50 

527.50 

3I 

283.33 

327.32 

373-59 

422.27 

473.50 

527.46 

36 

283.49 

327.46 

373.71 

422.34 

473-53 

527.42 

3 

283.70 

327.66 

373-86 

422.45 

473-57 

527.38 

283.96 

327.89 

374-05 

422.58 

473.62 

527.34 

39 

284.27 

328.17 

374.29 

422.73 

473-67 

527.29 

40 

284.64 

328.50 

374-54 

422.89 

473-72 

527.21 

4i 

285.06 

328.86 

374-81 

423.05 

473.76 

527.13 

42 

285.50 

329.23 

375-o8 

423.21 

473-79 

527.00 

43 

285.97 

3-9.62 

375.36 

423.36 

473-78 

526.84 

44 

286.45 

330.0I 

375.64 

423.49 

473-75 

526.63 

45 

286.95 

330.4I 

375-90 

423.60 

473-68 

526.37 

46 

287.45 

330.80 

376.15 

423.67 

473-56 

526.05 

8 

287.97 

33I-20 

376.39 

423.73 

473-40 

525.67 

288.50 

33L59 

376.62 

423.75 

473.20 

525.22 

49 

289.04 

33L99 

376.84 

423.75 

472-95 

524.71 

50 

289.62 

332.42 

377.07 

423.74 

472.67 

524.13 

5i 

290.25 

332.89 

377.32 

423.73 

472.35 

523.51 

52 

290.94 

333-40 

377-59 

423.71 

472.02 

522.83 

53 

291.69 

333-96 

377.89 

423.71 

471-67 

522.IO 

54 

292.51 

334-57 

378.24 

423.72 

471.29 

521.29 

5I 

293-4I 

335-25 

378.63 

423.74 

470.88 

520.42 

56 

294  39 

335-99 

379-03 

423-74 

470.41 

5I9-42 

12 

295.46 

336.78 

379-46 

423.72 

469.85 

518.29 

296.58 

337.60 

379-87 

423.62 

469.17 

516.97 

59 

297.75 

338.43 

380.24 

423.43 

468.34 

515.43 

60 

298.96 

339.26 

380.57 

423.13 

467.34 

513.71 

Am.4J* 


20Yr.End 


346 

Principles  and 

Practice 

Table  No.  CXX.— Concluded 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF 

PER  CENT. 

Age. 

14th 

Year. 

15th 

Year. 

16th 

Year. 

irth 

Year. 

ISth 

Year. 

19th 

Year. 

20 
21 
22 

23 

24 

585.88 
585.79 
585.70 
585.61 
585.52 

646.14 
646.05 
645.96 
645.86 
645.76 

709.64 
709.54 
709  45 
709.35 
709.25 

776.56 
776.47 
776.39 
776.29 
776.19 

847.II 
847.04 
846.97 
846.89 
846.80 

921.51 
921.47 
921.42 
921.37 
921.32 

li 
3 

29 

585.42 
585.32 
585.20 
585  09 
584.97 

645.65 
645.53 
645-4I 
645.28 
645.14 

709  13 
709.OI 

708.88 

708.75 
708.60 

776.08 
775.96 
775-84 
775.70 
775.56 

846.71 
846.61 
846.50 

846.39 
846.26 

921.26 
921.20 

921.13 
921  06 
920.98 

30 
31 
32 
33 
34 

584.86 
584.74 
584.63 
584.52 
584.42 

645  OI 
644.87 
644.72 
644.58 
644-43 

708.45 
708.29 
708.12 

707.95 
707.76 

775.41 
775.24 
775.07 
774-88 
774.66 

846.13 
845.98 
845.82 
845.64 
845.44 

920. 89 
920.79 
920.68 
920.56 
920.42 

li 
% 

39 

584  32 
58420 
584.08 
583.94 

583.78 

644.27 
644.09 
643.88 
643-65 
643.40 

707.55 
707.3I 
707.05 
706.75 
706.41 

774-43 

774- 16 

773.87 
773-53 
773.16 

845.22 

844.97 
844.69 

844.37 
844.02 

920.27 

920. 10 

919.9I 
919.69 

9J9.45 

40 

4i 

42 

43 
44 

583.59 
583.37 
583.IO 
582.78 
582.40 

643  IO 

642  75 
642.35 
641.89 

641.35 

706.O3 

705.59 
705.09 

704-  52 
703.87 

772.73 
772.25 

77I.7I 
771.09 

770.39 

843.62 
843.18 
842.67 
842.IO 
841.46 

919.18 
918.88 
918.54  • 
918.16 
917.73 

t 

49 

581.95 
581.43 
580.83 
580.14 
579-36 

640.74 
640.04 
639.23 
638.33 
637.32 

703.I3 
702.29 

70I.3I 
7O0.28 
699.IO 

769.60 
768.71 
767.71 
766.59 
765.34 

840.73 
839.92 
839.OI 

837.99 
836.85 

917.24 
916.70 
916.09 
915.40 
914.64 

50 
5i 
52 
53 
54 

578.50 
577.56 
576.53 
575.41 
574.18 

636.20 
634- 97 
633.62 
632.15 
630.52 

697.79 
696.34 
694.76 

693  or 
691.08 

763.96 
762.43 

760.74 

758.88 
756.82 

835.59 
834.19 
832.64 
830.92 
829.02 

9T3-79 
912.85 
911.80 
910.65 
909.36 

59 

572.82 
57L30 
569.57 
567.60 

'    565  39 

628.72 
626.70 
624.43 
621.88 
619.09 

688.93 
686.53 
683.85 
680.91 
677.71 

754.52 
75L97 
749.16 
746.07 
742.74 

8269I 
824.58 
822  02 
819.21 
816.16 

907.94 

906.38 
904.65 
902.75 
900.66 

60 

563.OO 

616.13 

674.18 

739.18 

812.87 

898.37 

25Yr.End. 


Am.4^ 


Of  Life  Insurance. 

347 

Table  No.  CXXI. 

TERMINAL    NET 

VALUES    PER    $1000 

OF   TWENTY-FIVE- 

YEAR    ENDOWMENT 

POLICIES    BY 

EQUAL   ANNUAL 

PREMIUMS  TILL  MATURITY,  AMERICAN 

EXPERI- 

ENCE,  FOUR  Ax\D  ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

20.36 

41-75 

64.24 

87.87 

112.72 

138.85  ' 

166.33 

195.22 

21 

20.36 

41.76 

64.26 

87.90 

II2.76 

I38.89 

166.37 

195.26 

22 

20.37 

41.78 

64.29 

87.94 

II2.8I 

138.94 

166.43 

I95.32 

23 

20.39 

41.81 

64-33 

87.99 

112.86 

I39-01 

166.49 

195.39 

24 

20.41 

41.85 

64.38 

88.05 

II2.94 

139.09 

166.58 

I95.48 

2I 

20.43 

41.89 

64-43 

88.13 

II3.02 

139.18 

166.68 

195-59 

26 

20.45 

41-93 

64.50 

88.21 

113-12 

139.29 

166.80 

195.71 

3 

20.48 

41.99 

64.58 

88.30 

113  24 

139-43 

166.95 

195.86 

20.51 

42.05 

64.67 

88.42 

113.38 

139-59 

167.12 

196  06 

29 

20.55 

42.12 

64.77 

88.56 

113  54 

139-77 

167.33 

196.28 

30 

2O.59 

42.21 

64.90 

88.72 

"3-73 

140.00 

167.58 

196  55 

31 

20.65 

42.32 

65.05 

88.91 

H3-97 

140.27 

167.88 

196.86 

32 

20.71 

42.43 

65.22 

89.14 

1 14- 23 

140.57 

I68.2I 

197.22 

33 

20.77 

42.56 

65.42 

89-39 

H4-55 

140.93 

168.61 

197.64 

34 

20.85 

42.73 

65.65 

89.70 

114.91 

I4L35 

169.06 

198.15 

3§ 

20.95 

42.91 

65-93 

90.05 

115.33 

141.83 

169.61 

198.74 

36 

2I.06 

43-12 

66.23 

90.44 

115.80 

142.38 

170.23 

199-43 

12 

2I.I8 

43-35 

66.58' 

90.89 

116.36 

143-03 

170.96 

200.22 

21.31 

43.62 

66.97 

91.41 

116.99 

143.77 

171.79 

201.12 

39 

21.47 

43-93 

67.43 

92.01 

117.73 

144.62 

172.74 

202.15 

40 

21.65 

44.29 

67-95 

92.70 

118.56 

145.58 

I73.8I 

203.30 

4i 

21.86 

44.70 

68.56 

93-48 

119.51 

146.67 

I75.02 

204.59 

42 

22.09 

45.16 

69.23 

94.36 

120.55 

147.87 

176.34 

205  99 

43 

22.36 

45-68 

69.99 

95-33 

121.72 

149.19 

177.78 

207.50 

44 

22.65 

46.25 

70.8I 

96-39 

122.98 

150.62 

179-31 

209.11 

J  45 

22.98 

46.88 

71-73 

97-55 

124-35 

152.15 

180.97 

210.85 

!  40 

23.32 

47.56 

72.71 

98.79 

125.80 

153.77 

182.73 

212.70 

1 47 

23.71 

48.30 

73-76 

100.10 

127  35 

I55.5I 

184.62 

214.69 

1 48 

24.12 

49.08 

74.87 

101.50 

128.99 

157-37 

186.63 

216.81 

49 

24.55 

49.89 

76.03 

102.98 

130.75 

159-35 

188.78 

219.08 

So 

25.00 

50.77 

77.29 

104.58 

132.64 

161.48 

191.  IO 

221.53 

5i 

25.49 

5i.7i 

78.64 

106.30 

134.67 

163.76 

193-59 

224.17 

52 

26.02 

52.72 

80.09 

108.14 

136.85 

166.22 

196.27 

227.00 

53 

26.58 

53-8o 

81.65 

1 10. 1 1 

139-18 

168.86 

199.14 

230.03 

54 

27.18 

54-95 

83-30 

112. 21 

141.67 

171.67 

202.20 

233-25 

g 

27.82 

56.18 

85.06 

114.46 

144-33 

174.67 

205.46 

236.69 

28.50 

57-49 

86.95 

116.85 

147.16 

177.85 

208.92 

240.35 

57 

29-15 

58.89 

88.96 

119-39 

150.14 

181.23 

212.60 

244.24 

58 

30.01 

60.38 

91.09 

122.09 

153-34 

184.82 

216.50 

248.34 

59 

30.82 

6i.95 

93-33 

124  92 

156.70 

188.61 

220.60 

252.64 

60 

31.68 

63.59 

95.69 

127.94 

160.25 

192.70 

224.91 

257.17 

Am.4i* 


25Yr.End 


348 

Principles  and   Practice 

Table  No.  CXXI.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  TWENTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY 

,  AMERICAN  EXPERIENCE, 

FOUR  AND  ONE-HALF  PER  CENT 

Age. 
20 

9th 

10th 

llth 

12th 

13th 

14th 

ISth 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

225.61 

257-57 

29I.I9 

326  57 

363.79 

402.96 

444.19 

487  60 

21 

225.65 

257.61 

291.23 

326.59 

363-80 

402.96 

444.18 

487.57 

22 

225.70 

257.66 

291.27 

326.63 

363.83 

402.98 

444.18 

48755 

23 

225.78 

257.73 

29L33 

326.68 

36387 

403.OI 

444.19 

487.54 

24 

225.87 

257.81 

291.41 

326.75 

36393 

403.05 

444.21 

487.54 

25 

225.97 

257.92 

291.51 

326.84 

364.OI 

403.  IO 

444.24 

487.55 

26 

226.IO 

258.05 

291.64 

326.96 

364-10 

403.18 

444.29 

487.57 

% 

226.26 

258.2I 

29I.79 

327IO 

364.23 

403.28 

444-37 

487.62 

226.45 

258.40 

291.98 

327.27 

364.38 

403.42 

444.48 

487.70 

29 

226.69 

258.63 

292.20 

327.49 

364.58 

403.59 

444.63 

487.82 

30 

226.96 

258.9I 

292.48 

327.75 

364.84 

403.83 

444.83 

487.98 

31 

227.29 

259.24 

292.81 

328.08 

365.15 

404. 1 1 

445.08 

488.18 

32 

227  67 

259.64 

293.21 

328.48 

365.53 

404.46 

445.39 

488.42 

33 

223.12 

260.II 

293  69 

328.95 

365.98 

404.88 

445.75 

488  72 

34 

22S.66 

260.67 

294.26 

329.5I 

366.52 

405-37 

446.19 

489.07 

35 

229.29 

26l  32 

294.93 

330.I7 

367.14 

405.94 

446.67 

489  45 

36 

23O.OI 

262.08 

295.68 

330  91 

367.85 

406.58 

447-21 

489.87 

37 

230.86 

262.95 

296.56 

331.76 

368.64 

407.28 

447.80 

490.32 

38 

23I.8I 

263  93 

297o4 

332.70 

369.50 

408.04 

448.44 

490.82 

39 

232.89 

265.04 

298.62 

333.74 

370.45 

408.88 

449  14 

491.36 

40 

234.IO 

266.25 

299.81 

334-86 

37L49 

409.79 

449.89 

491-93 

4i 

235-43 

26757 

301.IO 

336.03 

372.61 

410.77 

450.71 

492.55 

42 

236.86 

269.OO 

302.49 

337.40 

373.81 

411.83 

45L57 

493-20 

43 

238.40 

270.55 

304.OO 

338.82 

375-io 

412.95 

452.49 

493.89 

44 

240.05 

272.20 

305.60 

340.33 

376.48 

4'4-i5 

453.48 

494.62 

4§ 

241.84 

273.98 

307.32 

341.95 

377-95 

4L5.44 

454-53 

495  40 

46 

243  73 

275.87 

309.16 

343-68 

379-53 

416.81 

455-65 

496.22 

47 

245-77 

277.90 

311.14 

345-55 

381.23 

418.29 

456.85 

497.10 

48 

247-95 

280.07 

313.26 

347-56 

383.06 

419-87 

458.14 

498.05 

49 

250.28 

282.41 

315-53 

349-71 

385.02 

421.57 

459-53 

499.07 

50 

252.80 

284.94 

317-99 

352.03 

387.13 

423.42 

461.04 

500.17 

5i 

255.51 

287.64 

320.64 

354.53 

389.42 

425.42 

462.66 

501.34 

52 

258.42 

290.57 

323.48 

357-22 

391.88 

427.54 

464-38 

502.57 

53 

261.53 

2Q3.68 

326.42 

359-94 

394-48 

429.79 

466.18 

503.84 

54 

264.85 

297.00 

329.76 

363.14 

397.24 

432.16 

468.04 

505.11 

P 

268.38 

300.55 

333- 19 

366.36 

400.14 

434.62 

469.97 

506.39 

272.14 

304.29 

336.81 

369-75 

403.17 

437.18 

471.94 

507.68 

57 

276.12 

308.24 

340.63 

373-31 

406.35 

439-85 

473-98 

50905 

58 

280.31 

312.41 

344.64 

37705 

409.67 

442.64 

476.19 

510.63 

59 

284.71 

316.77 

348.85 

380.95 

413-16 

445-66 

478.69 

512.60 

60 

289.31 

321.34 

353  24 

384.97 

416.91 

449.03 

481.66 

515.10 

25Yr.End. 


Am.4i* 


Of  Lifk  Insurance. 

349 

Table  No.  CXXL— Concluded. 

TERMINAL   NET  VALUES    PER  $1000    OF    TWENTY-FIVE- 

YEAR   ENDOWMENT   POLICIES    BY    EQUAL    ANNUAL 

PREMIUMS  TILL  MATURITY,  AMERICAN  EXPERI- 

ENCE, FOUR  AND  ONE-HALF  PER  CENT. 

Age. 
20 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

533-31 

581.45 

632.15 

685.59 

741.92 

801.32 

863.99 

930.14 

21 

533-26 

581.38 

632.08 

685.50 

741.82 

80I.22 

863.91 

930.09 

22 

533-22 

581.32 

632.OO 

685.41 

741.72 

80I.I2 

863.82 

930.03 

23 

533-19 

581.26 

631.92 

685.31 

741.62 

80I.02 

863.73 

929.97 

24 

533-16 

58I.2I 

631.85 

685.22 

74L5I 

800.9I 

863.63 

929.90 

2§ 

533.14 

58I.I7 

631.78 

685.13 

741.40 

800.79 

863.52 

929.83 

26 

533.14 

58I.I4 

631.71 

685.04 

741.29 

800.67 

863.40 

929.75 

u 

533.16 

58I.I2 

631.66 

684.95 

741.17 

800.54 

863.28 

929.66 

533-20 

58I.I3 

631.63 

684.87 

741. 06 

800.40 

863.14 

929.56 

29 

533.28 

58I.I5 

631.60 

684.80 

740.94 

800.25 

862.99 

929.45 

30 

533-38 

58I.20 

631.59 

684.73 

740.81 

800.08 

862.82 

929.34 

31 

533-53 

581.28 

631.59 

684.65 

740.67 

799.90 

862.64 

929.20 

32 

533.71 

581.37 

631.59 

684.56 

740.51 

799-70 

862.43 

929.06 

33 

533-92 

581.48 

631.60 

684.47 

740.34 

799-47 

862.20 

928.89 

34 

534.15 

58l.6l 

631.61 

684.37 

740.I5 

799-22 

861.94 

928.71 

35 

534.42 

581.74 

631.62 

684.26 

739-93 

798.94 

861.66 

928.50 

36 

534-70 

581.89 

631.61 

684.12 

739-68 

798.63 

861.34 

928.28 

37 

535-OI 

582.04 

631.61 

683.97 

739-40 

79827 

860.98 

928.02 

38 

535-34 

582.19 

631.59 

683.78 

739.09 

797.87 

860.57 

927.73 

39 

535.70 

582.36 

631.56 

683.58 

738.73 

797.42 

860.I2 

927.41 

40 

536.08 

582.52 

631.51 

683.33 

738.33 

796.92 

859-62 

927.05 

4i 

536.47 

582.69 

631.45 

683.05 

737.87 

796.35 

859-05 

926.65 

42 

536.89 

582.85 

631.36 

682.73 

737-35 

795-71 

858.42 

926.20 

43 

537.32 

583.0I 

631.24 

682.35 

736.76 

795.00 

857.71 

925.70 

44 

537-77 

583.16 

631.O9 

681.92 

736.10 

794.20 

856.92 

925.14 

45 

538.24 

583.31 

63O.9I 

681.44 

735.37 

793.31 

856.03 

924.51 

46 

538.73 

583.45 

630.70 

680.89 

734-54 

792.32 

855.05 

923.81 

4Z 

539-26 

583.60 

630.46 

680.28 

733-63 

791.21 

853.95 

923.04 

48 

539-82 

583.74 

630.18 

679.60 

732.6i 

789.98 

852.73 

922.17 

49 

540.42 

583.89 

629.86 

678.83 

731-47 

788.61 

851.38 

921.21 

50 

541.06 

584.03 

629.48 

677.97 

730.19 

787.08 

849.87 

920.15 

5i 

54L73 

584.14 

629.03 

676.97 

728.74 

785.37 

848.21 

918.98 

52 

542.40 

584-2I 

628.47 

675.82 

727.12 

783.48 

846.37 

917.70 

53 

543-05 

584.I9 

627.78 

674.51 

725.32 

781.41 

844-37 

916.29 

54 

543.65 

584.08 

626.95 

673.05 

723.37 

779-18 

842.20 

914.74 

55 

544-21 

583.91 

626.07 

671.53 

721.33 

776.83 

839.88 

913.04 

56 

544-77 

583.73 

625.19 

670.OO 

719-25 

774-37 

837.38 

911. 18 

57 

545-45 

583.70 

624.47 

668.60 

717.22 

771.87 

834.77 

909.15 

58 

546.39 

583.97 

624.04 

667.44 

715.33 

769.40 

832.OO 

906.93 

59 

547.76 

584.70 

624.04 

666.62 

713.68 

766.89 

829.07 

904.52 

60 

549-74 

586.O3 

624.58 

666.24 

712.18 

764.38 

825.98 

9OI.88 

Am.4^ 


30Yr.End. 


350 

Principles  and   Practice) 

Table  No.  CXXII. 

TERMINAL  NET  VALUES  PER  $1000   OF   THIRTY-YEAR  EN- 

DOWMENT  POLICIES   BY   EQUAL   ANNUAL    PREMIUMS 

TILL  MATURITY.  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

14.69 

30.II 

46.30 

63.3O 

8I.I7 

99.94 

TI9.66 

140.38 

21 

14.71 

30.I5 

46.36 

63.39 

81.28 

IOO.07 

II9.80 

140.54 

22 

14.73 

30.20 

46.44 

63.50 

81.41 

I00.22 

II9.98 

140.73 

23 

14.76 

30.26 

46.54 

63.62 

8156 

IOO.40 

I20.I8 

140.95 

24 

14.80 

30.34 

46.65 

63.77 

81.74 

IOO.61 

120.42 

141.22 

25 

14.85 

30.43 

46.77 

63.94 

81.94 

IOO.85 

I20.70 

141.53 

26 

14.89 

30.52 

4692 

64.12 

82.18 

IOI.I3 

121. OI 

141.88 

27 

14-95 

30.63 

47.08 

64.34 

82.45 

IOI.45 

121.38 

142.29 

28 

15.02 

30.76 

47  27 

•64.60 

82.77 

IOI.82 

I2I.80 

I42.77 

29 

15.09 

3O.9I 

47.50 

64.89 

83.12 

I02.24 

I22.30 

143-32 

30 

15-17 

3I.08 

47-75 

65.22 

83.54 

I02.74 

122.86 

143.96 

31 

15-27 

31.28 

48.04 

65.61 

84.02 

IO3.3I 

123.52 

I44.68   | 

I   32 

15-39 

31.49 

48.37 

66.05 

84.56 

IO3.95 

124.25 

14^.51  ! 

33 

I5-50 

3T-74 

48.74 

66.54 

85.18 

IO4.67 

125.08 

146.44 

34 

15.65 

32.03 

49.18 

67.II 

85.87 

I05.5I 

126.03 

147.51 

8 

15.82 

32.36 

49.66 

67.75 

86.67 

IO6  44 

127.12 

148.73 

16.00 

32.72 

50.20 

68.46 

87.55 

IO7.49 

128.33 

1 50. 1 1 

II 

16.21 

33-13 

50.81 

69.27 

88.55 

I08.69 

129.7* 

151.65 

16.43 

33.58 

51.48 

70.I7 

89.68 

IIO.03 

131.26 

153-39  1 

39 

16.69 

34-09 

52.26 

7I.20 

90.96 

in. 54 

133.00 

155.33  j 

40 

16.97 

34.67 

53-12 

72.35 

92.37 

113.23 

134.92 

I57-48  ! 

4i 

17.30 

35-32 

54.10 

73-63 

93-97 

115. 10 

137.05 

159-84  1 

42 

17  66 

36.05 

55-17 

75-03 

95.70 

117. 15 

139-38 

162.41  j 

43 

18.06 

36.84 

.  56.35 

76.61 

97.6i 

11938 

141.90 

165.17 

44 

18.50 

37-71 

57-64 

78.30 

99.68 

121.79 

144.60 

168.14 

$ 

18.99 

38.66 

59.05 

80.13 

ior.91 

124.36 

147  50 

17132 

19.50 

39-69 

6055 

82.09 

104.26 

127.10 

150.58 

174-71 

% 

20.06 

40.69 

62.15 

84-I5 

106.77 

130.01 

153.86 

178.31 

20.66 

41.94 

63.83 

86.33 

109.42 

133.09 

157  33 

182.13 

49 

21.27 

43-13 

65.60 

88.63 

112.22 

136.35 

161. 01 

186.17 

50 

21-93 

44-43 

67.48 

9I.08 

115.19 

i39-8i 

164.90 

IQO.46 

5i 

22.62 

45-79 

69.49 

93-67 

118.35 

143-47 

169.03 

195-or 

52 

23.36 

47.23 

71.59 

96.42 

121.68 

H7-35 

173-40 

199.81 

53 

24- 15 

48.75 

73.83 

99-31 

125.21 

151-45 

178.03 

204.89  . 

54 

24.95 

50.35 

76.17 

102.36 

128.90 

'55-75 

182.86 

210.20 

55 

25.82 

52.05 

78.64 

105.58 

132.81 

160.28 

187.96 

215-79 

30Yr.End. 


Am.45* 


Of  IyiFF  Insurance. 

351 

Table  No.  CXXII. — Continmd. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  PER  CENT. 

Age 
20 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

162.14 

185.02 

209.05 

234.32 

260.88 

288.80 

318.15 

349.02 

21 

162.32 

185.20 

209.25 

234.53 

261.08 

289.OO 

318.36 

349-21 

22 

162.52 

185.43 

209.49 

234.77 

261.33 

289.25 

318.60 

349-45 

23 

162.77 

185.69 

209.76 

235.05 

261.63 

289.55 

318.89 

349-72 

24 

163.06 

186.OO 

210.09 

235-39 

261.97 

289.90 

319.23 

350.06 

25 

163.40 

186.36 

210.47 

235.79 

262.38 

290.31 

319.64 

350.45 

26 

163.78 

186.78 

210.91 

236.26 

262.85 

290.79 

320.II 

350.93 

2l 

164.24 

187.27 

2H.44 

236.79 

263.41 

29I-35 

320.68 

35L49 

28 

164.76 

187.83 

212.03 

237.42 

264.05 

292.OI 

321.35 

352.15 

29 

165.37 

188.48 

212.72 

238.14 

264.80 

292.78 

322.13 

352.92 

30 

166.06 

189.23 

213.52 

238.98 

265.68 

293.68 

323-03 

353.83 

31 

166.86 

I90.O9 

214.44 

239-95 

266.69 

294.71 

324.08 

354-86 

32 

167.76 

I9I.07 

215.49 

241.07 

267.84 

295.90 

325.27 

356.04 

33 

168.80 

192.20 

216.70 

242.33 

269.17 

297.24 

326.62 

357.37 

34 

169.99 

193.49 

218.07 

243.78 

270.66 

298.77 

328.15 

358.85 

35 

I7L33 

194-95 

219.63 

245.42 

272.35 

300.48 

329.84 

360.49 

36 

172.84 

196.59 

221.37 

247.24 

274.23 

302.36 

33L70 

362.29 

1? 

174.55 

198.43 

223.33 

249.28 

276.30 

304.43 

333.73 

364.26 

176.45 

200.48 

225.49 

251.51 

278.56 

306.70 

335.96 

366.41 

39 

178.58 

202.75 

227.87 

253.96  . 

281.05 

309.18 

338.40 

368.76 

40 

180.91 

205.24 

230.46 

256.62 

283.75 

3H.87 

341.04 

37L3I 

4i 

183.47 

207.94 

233.28 

259.52 

286.68 

314.80 

343.91 

374.07 

42 

186.23 

210.87 

236.33 

262.65 

289.85 

317.95 

347-OI 

377.o6 

43 

189.21 

214.02 

239.62 

266.03 

293.26 

321.36 

350.35 

380.29 

44 

I92.4O 

217.40 

243.14 

269.65 

296.93 

325.01 

353-95 

383.76 

4I 

195.83 

221.03 

246.93 

273-53 

300.86 

328.94 

357.81 

387.49 

46 

I99.48 

224.89 

250.95 

277.67 

305.00 

333.13 

361.92 

39L47 

s 

203.36 

229.OO 

255.24 

282.09 

309.53 

337.60 

366.31 

395-71 

207.48 

233.37 

259.80 

286.77 

314.28 

342.33 

370.96 

400.20 

49 

2II.84 

237.99 

264.63 

291.73 

319.30 

347-35 

375.90 

404.97 

50 

216.47 

242.90 

269.74 

296.98 

324.62 

352.66 

38I.I2 

410.00 

5i 

221.36 

248.09 

274.95 

302.54 

330.25 

358.28 

386.62 

415.29 

52 

226.54 

253.57 

280.86 

308.42 

336.20 

364.20 

392.4I 

420.86 

53 

232.OI 

259-35 

286.89 

314.60 

342.45 

370.42 

398.50 

426.69 

54 

237.72 

265.40 

293.20 

321.07 

348.98 

376.92 

404.84 

432.78 

55 

243.75 

271.78 
1 

299.82 

327-85 

355.82 

383.70 

411.47 

439-  13 

AmAl% 


30Yr.End 


352 

Principles  and   Practice 

Table  No.  CXXIL— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-YEAR  EN- 

DOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN 

EXPERIENCE, 

FOUR  AND  ONE- HALF  PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

381.48 

415.63 

45L55 

489.35 

529.14 

57L04 

615.17 

21 

381.66 

415-79 

451.69 

489.46 

529.22 

57I.08 

615.18 

22 

381.88 

415.98 

451.86 

489.60 

529.33 

57I.I6 

615.22 

23 

382.14 

416.22 

452.07 

489.79 

529.49 

57L27 

615.29 

24 

382.46 

416.52 

452.34 

490.03 

529.68 

57L43 

615.39 

25 

382.84 

416.88 

452.68 

490.32 

529.93 

571.62 

615.52 

26 

383-30 

417.32 

453-OS 

490.68 

530.24 

571.86 

615.69 

2 

383.85 

417.84 

453.56 

491.  U 

530.60 

572.15 

615.89 

384.49 

418.46 

454.13 

491.63 

53L04 

572.49 

6l6.I2      : 

29 

385.25 

419.17 

454.80 

492.22 

53L54 

572.88 

616.38 

30 

386.12 

420.01 

455-57 

492.90 

532.IO 

573.31 

616.68 

31 

387.13 

420.96 

456.43 

493.65 

532.73 

573-79 

617. OS 

32 

388.27 

422.02 

457.40 

494-49 

533-42 

574-33 

617.38 

33 

389.54 

423.21 

458.46 

495-42 

534.19 

574.92 

617.78 

34 

390-95 

424.52 

459.64 

496.44 

535.04 

575.57 

6l8.22 

35 

392.50 

425.96 

460.94 

497-57 

535-97 

576.28 

618.70 

36 

394.21 

427.53 

462.36 

498.80 

536.97 

577-05 

619.22 

IZ 

396.08 

429.26 

463.9I 

500.13 

538.07 

577.90 

619.79 

398.II 

431.14 

465.59 

501.59 

539.28 

578.81 

620.4I 

39 

400.33 

433-19 

467.43 

503.19 

540.59 

579-81 

62I.O7 

40 

402.74 

435-41 

469.43 

504.92 

542.01 

580.89 

62I.80 

4i 

405.35 

437.83 

47I.6I 

506.80 

543-56 

582.07 

622.59 

42 

408.I9 

440.45 

473.96 

508.83 

545.23 

583.35 

623.45 

43 

4H.24 

443.28 

476.50 

511.03 

547;  05 

584.74 

624.38 

44 

414.53 

446.32 

479-23 

513.41 

549.01 

586.23 

625.37 

9 

418.06 

449-59 

482.18 

515-97 

551. 11 

587.83 

626.42 

421.83 

453-oS 

485.32 

518.68 

553-33 

589-51 

627.5O 

47 

425.85 

456.80 

488.66 

521.56 

555.68 

591.26 

628.60 

48 

429.95 

460.73 

492.18 

524.58 

558.12 

593.05 

629.69 

49 

434.61 

464.88 

495.88 

527.74 

560.65 

594-87 

630.75 

50 

439-35 

469.24 

499-75 

531.02 

563.25 

596.72 

63I.84 

5i 

444-34 

473.8o 

503.79 

534-43 

565.94 

598.65 

632.99 

52 

449.56 

478.58 

508.OO 

537-99 

568.79 

600.76 

634.36 

53 

455-04 

483.58 

512.42 

541-77 

571.90 

603.18 

636.06 

54 

460.74 

488.81 

5i7.II 

545-89 

575.42 

606.06 

638.24 

55 

466.72 

494.35 

522.20 

550.49 

579-50 

609.54 

64I.OI 

1 

30Yr.End. 


Am.4i 


Of  Lifk  Insurance. 

353 

Table  Ng 

.  CXXIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-YEAR  EN- 

DOWMENT 

POLICIES 

BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND   ONE-HALF 

PER   CENT. 

24th 

25th 

26th 

27th 

2«th 

29th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

661.67 

710.69 

762.39 

816.96 

874.60 

935-52 

21 

661.65 

710.64 

762.32 

816.87 

874.50 

935.46 

22 

661.65 

7IO,6o 

762.25 

816.78 

874.41 

935.39 

23 

661.67 

710.58 

762.18 

816.68 

874.30 

935.31 

24 

661.71 

710.56 

762.12 

816.58 

874.19 

935-22 

25 

661.78 

710.56 

762.05 

816.47 

874.06 

935.13 

26 

661.87 

710.56 

761.98 

816.34 

873.92 

935-02 

27 

661.97 

7IO-57 

761.91 

8l6.2I 

873.77 

934-91 

28 

662.09 

710.59 

761.83 

816.07 

873.60 

934- 78 

29 

662.23 

710.61 

761.75 

815.91 

873.42 

934.64 

30 

662.39 

71O.63 

761.66 

815.74 

873.21 

934.48 

31 

662.57 

710  66 

761.56 

815-54 

872.99 

934-30 

32 

662.76 

710.69 

761.44 

815  33 

87273 

934-11 

33 

662.97 

710.72 

76I.3I 

815.09 

872.45 

933-89 

34 

663.20 

710.75 

761.17 

814.82 

872.13 

933-64 

35 

663.45 

710.78 

761.OI 

814.52 

871.78 

933-37 

36 

663.71 

710.80 

760.82 

814.18 

871.39 

933-07 

37 

664.OO 

710.82 

760.61 

813.80 

870.95 

932.74 

38 

664.31 

710.84 

760.37 

813.38 

870.47 

932  36 

39 

664.64 

710.85 

760. 1 1 

812.92 

869.93 

93L95 

40 

665.OO 

710.87 

759-81 

812.40 

869.33 

931-49 

4i 

665.40 

710.88 

759-49 

811.83 

868.67 

930.97 

42 

665.82 

710.88 

759-12 

811. 19 

867.93 

930.40 

43 

666.28 

710.88 

758  71 

810.48 

867.II 

929.77 

44 

666.75 

710.85 

758.24 

809.69 

866.19 

929.07 

45 

667.24 

710.79 

757.69 

808.78 

865.17 

928.29 

46 

667.71 

710.65 

757-03 

807.75 

864.03 

927.43 

47 

668.14 

710.43 

756.25 

806.60 

862.78 

926  49 

48 

668.50 

710.12 

755-37 

805.33 

861.40 

925.44 

49 

668.82 

709.74 

754-41 

803.97 

859.91 

924.30 

5o 

669.I4 

709.37 

753-43 

802.54 

858.32 

923.06 

5i 

669.55 

709.06 

752.47 

801.07 

856.63 

921.69 

52 

670.16 

708.93 

751.63 

799.63 

854.88 

920.20 

53 

671. II 

709.08 

750.97 

798.27 

853.04 

918.59 

54 

672.50 

709.59 

750  58 

796.94 

S51.H 

916.83 

55 

674.43 

710.57 

750.40 

795.67 

849.O9 

914.91 

i 

Am.4J* 


35Yr.End 


354 

Principles  and  Practice 

Table  No. 

CXXIII 

1 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR    j 
ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL 

MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE- HALF  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

ftth 

Year. 

6th 

Year. 

7th 

Year. 

8th      i 
Year. 

20 
21 
22 

23 

24 

IO.97 
II. OI 
II.06 
II. II 
II. 18 

22.48 
22.56 
22.65 
22.77 
22.90 

34-55 
34.67 
34.82 

34-99 
35.19 

47  21 

47.38 
47-58 
47-81 
48.07 

60.50 
60.72 
60.96 
61.25 
61.58 

74-45 
74.70 
75.OO 
75-34 

75-73 

89.09 
89.38 
89.73 
90.I2 
90.58 

IO4.44   i 
IO4.78 
IO5.18   | 
IO5.63   | 
IO6.15   i 

25 

26 

II 

29 

11.26 
11.34 
11.43 

11.54 

11.66 

23.05 
23.21 
23.40 
23.62 
23.86 

35.41 
35-66 

35-94 
36.27 
36.63 

48.37 
48.7» 
49.08 

49-52 
50.01 

61.95 
62.36 
62.85 

63.39 
64.OO 

76.18 
76.69 
77.26 

77.91 
78.65 

9I.IO 
9I.69 
92.36 
93-12 
93-99 

IO6.74 
107.41   j 
108.17 
IO9.05 
HO.03 

30 
31 
32 

33 
34 

11.79 
11-95 
12.12 
12.31 
12.53 

24.14 

24.45 
24.79 

25.17 
25.62 

37.05 

37-52 
38.04 
38.63 
39-29 

50.56 
51.19 
5i  89 
5267 
53.56 

64.70 

65-49 
66.36 

67-35 
68.45 

79-49 
80.43 
81.49 
82.67 
84.CO 

94.96 
96.07 
97.29 
98.67 
I00.2I 

III. 15 
II2.40 
113.80 

"5.37 
117.13 

9 

39 

12.78 
13.04 

13-34 
13.66 
14.03 

26.II 
26.65 
27.24 
27.90 
28.63 

40.03 
40.83 
41.74 
42.73 

43-84 

54.54 
55-62 
56.83 
58.17 
59-65 

69.68 
71.04 

72.56 

74.23 
76.IO 

85.47 
87.11 
88.93 
90.96 
93.19 

IOI.94 
IO3.85 
IO5.99 
I08.34 
IIO.95 

119. IO 
121.29 
123.72 
126.41 
129.36 

40 

4i 
42 

43 
44 

14.43 
14.88 
I5-36 
15.90 
16.47 

29.44 
30.34 
31-32 
32.39 
33-54 

45-o6 
46.42 
47-88 
49.48 
51.20 

61.29 
63.09 
65.06 
67.17 
69.45 

78.15 
80.41 
82.84 

85.47 
88.29 

95.65 

9S-33 

101.24 

104.36 

107.68 

113.79 
II6.90 
120.25 
123.83 
127.63 

132.58 
136.09 
139.84 

143.85 
I48.IO 

* 

% 

49 

17.10 

17-75 
18.46 
19.20 
19.96 

34-78 
36.09 
37-49 
38.94 
40.44 

53.04 
54-99 
57-05 
59-19 
61.42 

71.88 
74-44 
77-14 

79-95 

82.88 

91.28 

94-42 

97.72 

IOI.17 

IO4.81 

in. 20 
114.90 
118.80 
122.88 
127.14 

131.65 
135.88 
I4O.34 
I45-00 

149  88 

152.60 

157-34 
162.32  | 

167.54 
172.98 

So 

20.76 

42.03 

63-77 

85-97 

IO8.59 

131. 61 

154.98 

17869 

35Yr.End. 


Am.4!% 


Of  Life  Insurance. 


355 


Table  No.  CXXIIL— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  TER  CENT. 


Age, 


20 
21 
22 

23 

24 

26 
27 
28 
29 

30 
31 
32 
33 
34 

35 
36 

12 

39 

40 

4i 
42 

43 
44 

9 

49 
So 


9th 

Year. 


120.57 
120.94 
121.38 
121.89 
122.47 

123.13 
123.88 
124.74 
125.72 
126.82 

I28.06 
129.47 
I3I.03 
132.80 
134.78 

136.99 

139-44 
142.16 

145.15 
148.44 

152.02 

155.89 
160.02 
164.42 
169.10 

174.05 
179-25 
184.72 
190.45 
196.43 

202.71 


10th 

Year. 


137-49 
I37-90 
138.39 
138.95 
I39-58 

140.31 
141. 14 
142.09 

143.17 
144.38 

145.76 
I47-30 
149.04 
150.99 
153.18 

155-02 

158.33 
161.32 
164.60 
168.20 

172.09 

176.28 
180.76 

185.54 
I9O.60 

I95.96 
2OI.59 
207.51 

213.71 
220.20 

226.98 


11th 

Year. 


155-25 
155.70 
156.23 
156.83 

157.52 

158.32 
159-23 
160.26 

I6I.43 
162.75 

164.25 
165.94 
167.84 
169.97 
172.36 

175-02 
177.96 
l8l.20 
184.76 
188.62 

I92.79 
I97.28 
202.08 
207.I9 
2I2.60 

218.33 
224.34 
230.67 
237.30 
244.23 

251.47 


12th 

Year. 


13th 

Year. 


I73-89 
174.38 
174.94 
175-59 
176.34 

I77.20 

178.18 
179.28 
180.55 
181.97 

183.59 
185.41 
187.47 
189.77 
192.35 

I95-20 

198.35 
201.83 
205.60 
209. 70 

214.12 

218.87 

223.95 
229.36 
235.08 

241.13 

247.49 
254.18 
261.19 
268.50 

276.14 


14th 

Year. 


193-47 
193.98 
194.58 
195.28 
196.07 

196.99 
198.02 
199.21 
200.55 
202.08 

203.81 
205.76 
207.95 
210.41 
213.15 

216.19 

219.53 
223.18 
227.15 
23L45 

236.08 
241.06 
246.38 
252.04 
258.02 

264.35 
271.01 
278.01 

285.33 
292.97 

300.95 


214.01 
214-55 
215.19 
215.92 
216.76 

217.72 
218.82 
220.06 
221.49 
223.11 

224.94 
227.01 
229.33 
231.92 
234.81 

237.99 
241.47 

245.27 
249.40 
253-86 

258.68 
263.84 
269.35 

275-22 
281.42 

287.99 
294.88 
302.13 
309.7I 
3I7.6I 

325.87 


15th 

Year. 


235.58 
236.15 
236.81 
237.58 
238.45 

239.46 
240.60 
24I.9I 
243.42 
245.II 

247.O3 
249.20 
251.63 
254.33 
257.33 

260.62 
264.21 
268.12 
272.36 
276.96 

281.9O 

287.21 
292.87 
298.89 
305.27 

312.00 
319.08 
326.51 
334.25 
342.39 

350.85 


16th 

Year. 


258.24 

258.82 

259-51 
260.29 
26I.20 

262.24 
263.43 
264.79 
266.35 
268.12 

270.12 

272.36 

274.87 

277.66 
280.73 

284.09 

287.75 
291.74 

296.07 

300.74 

305.78 
311. 18 
316.94 
323.07 
329.55 

336.40 
343.59 
351.14 
359-03 
367.28 

385.85 


Atn.4!* 


35Yr.End 


356 

Principles  and 

Practice 

Table  Nc 

>.  CXXIIL— Continued 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF  PER  CENT. 

17th 

18th 

19th 

20th 

21st 

22d 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

282.03 

307.OI 

333-24 

360.80 

389-75 

420.18 

21 

282.63 

307.61 

333-85 

361.39 

390.33 

420.74 

22 

283.32 

308.31 

334-55 

362.O9 

39I.02 

42I.4I 

23 

284.13 

309-I3 

335-37 

362.91 

39I-83 

422.I9 

24 

285.05 

310.08 

336.32 

363.87 

392.77 

423- IO 

25 

286  12 

3H-I7 

337-43 

364.97 

393.85 

424.15 

26 

287.35 

312.42 

338.69 

366.23 

395-09 

425.35 

27 

288.76 

313.86 

340.I5 

367.67 

396.51 

426.71 

28 

2QO.36 

3I5.50 

341-79 

369-3I 

398.II 

428.24 

29 

292.18 

3I7-24 

343.65 

371.15 

399.89 

429.93 

30 

294.23 

319-43 

345.73 

373-20 

4OI.87 

43I.8I 

31 

296.54 

321.75 

348.05 

375-46 

404.05 

433-88 

32 

299.IO 

324-32 

350.59 

377-95 

406.45 

436.15 

33 

301.92 

327.15 

353-39 

380.68 

409.08 

438.65 

34 

305-03 

330.26 

356.46 

383.69 

411.97 

441.38 

n 

308.42 

333-66 

359-82 

386.96 

415.12 

444.36 

312.12 

337-35 

363.47 

390.52 

418.54 

447.60 

12 

3I6.I5 

34L37 

367.44 

394-39 

422.26 

451.13 

320.5I 

345-73 

37L74 

398.58 

426.30 

454-95 

39 

325.23 

350.43 

376.38 

403.II 

430.66 

459.09 

40 

330.30 

355-50 

381.38 

407.99 

435-36 

463.54 

4i 

335-74 

360.93 

386.75 

4I3.23 

440.40 

468.32 

42 

34L55 

366.73 

392.47 

418.81 

445-77 

473-41 

43 

347-73 

372.89 

398.55 

424.73 

451-47 

478.82 

44 

354.26 

379-40 

404.97 

43LOO 

457-51 

484.53 

9 

36I.I5 

386.27 

411.75 

437.61 

463-85 

490.53 

368.39 

393-49 

418.87 

444-53 

470.50 

496.80 

47 

375-99 

401.06 

426.33 

45L79 

477.46 

503.35 

48 

383-94 

408.97 

434.11 

459-36 

484.70 

510.18 

49 

392.23 

417.21 

442.22 

467.22 

492.23 

517.26 

5o 

1 

400.84 

425.77 

450.62 

1 

475.38 

500.03 

524.63 

35Yr.End. 


Am.45* 


Of   Life   Insurance. 

357 

Table  No.  CXXIU 

'. — Continued. 

TERMINAL^NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE,  FOUR 

AND  ONE-HALF 

PER  CENT. 

23d 

24th 

25  til 

26th 

27  th 

28th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

452.16 

485.79 

52I.I6 

558.37 

597-54 

1 
638.78 

21 

452.70 

486.28 

52I.6I 

558.76 

597.85 

639.02 

22 

453-33 

486.88 

522.14 

559-22 

598.24 

639.31 

23 

454-08 

487.57 

522.76 

559.76 

598.68 

639.63 

24 

454-94 

488.37 

523.49 

560.38 

599  18 

640.OI 

25 

455-94 

489-30 

524-3I 

561.08 

599-74 

640.43 

26 

457-Q7 

490.33 

525-23 

561.87 

600.37 

64O.9O 

u 

458.35 

49I.50 

526.26 

562.74 

601.08 

641.43 

459-77 

492.79 

527.40 

563.72 

601.87 

642.OI 

29 

46r.35 

49423 

528.67 

564.80 

602.74 

642.66 

30 

463.10 

495.82 

530.08 

565.99 

603.69 

643.37 

31 

465.02 

497-57 

531.62 

567.29 

604.75 

644.16 

32 

467.14 

499-49 

533-31 

568.73 

605.91 

645.02 

33 

469.45 

501.59 

535.16 

570.3I 

607.18 

645-97 

34 

471.99 

503-89 

537-19 

572.04 

608.57 

647.OI 

35 

474-75 

506.41 

539.42 

573-92 

610.10 

648.15 

36 

477-77 

509.14 

541.84 

575-98 

611.76 

649.40 

37 

481.05 

512.13 

544-47 

578.23 

613.58 

650.77 

38 

484.61 

515.36 

547-33 

580.67 

615.57 

652.26 

39 

488.46 

518.87 

550.44 

583.33 

617.72 

653.88 

40 

492.60 

522.65 

553-79 

586.19 

620.04 

655.6I 

4i 

497.05 

526.71 

557.38 

589.25 

622.51 

657.45 

42 

501.80 

53I-02 

561.20 

592.49 

625.12 

659-37 

43 

506.83 

535-59 

565.22 

595.89 

627.83 

661.34 

44 

512.13 

540.39 

569.43 

599-44 

630.64 

663..35 

45 

517.69 

545.41 

573-83 

603.12 

633-53 

665.44 

46 

523.49 

550.64 

578.39 

606.92 

636.54 

667.65 

47 

529.54 

556.08 

583-20 

610.93 

639-77 

670.09 

48 

535.83 

561.76 

588.14 

615.25 

643-33 

672.88 

49 

542.38 

567.72 

593-48 

619.92 

647.35 

676.12 

50 

549.26 

J 
l 

574.09 

599-31 

625.16 

1 

651.94 

680.OO 

Am.4i* 


35Yr.End 


358 

Principles  and  Practice 

Table  No.  CXXIIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  THIRTY-FIVE-YEAR 

ENDOWMENT  POLICIES  BY  EQUAL  ANNUAL  PREMIUMS 

TILL  MATURITY,  AMERICAN  EXPERIENCE.  FOUR 

AND  ONE-HALF 

PER  CENT. 

29th 

30th 

31st 

32d 

33d 

34th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

682.24 

728.07 

776.45 

827.57 

881.68 

939-05 

21 

682.40 

728.14 

776.43 

827.50 

881.58 

938.97 

22 

682.58 

728.22 

776.42 

827.42 

881.47 

938.87 

<*3 

682.79 

728.31 

776.42 

827.34 

881.35 

938.77 

24 

683.03 

728.43 

776.42 

827.25 

88I.2I 

938.66 

u 

683.30 

728.56 

776.42 

S27.I5 

881.07 

938.54 

683.61 

728.71 

776.43 

827.05 

880.91 

938.40 

27 

683.95 

728.87 

776.43 

826.93 

880.73 

938.25 

28 

684.33 

729.05 

776.44 

826.81 

880.53 

938.08 

29 

684.75 

729.26 

776.45 

826.67 

880.32 

937.89 

30 

685.22 

729.49 

776.47 

826.52 

880,08 

937-68 

31 

685.74 

729-74 

776.48 

826.35 

879.81 

937.46 

32 

686.30 

730.0I 

776.49 

826.16 

879.52 

937.20 

33 

686.92 

730.3I 

776.51 

825.95 

879.19 

936.92 

34 

687.60 

730.64 

776.53 

825.73 

878.83 

936.61 

a 

688.35 

731-01 

776.55 

825.47 

878.  u 

936.26 

689.17 

731-41 

776.57 

825.20 

878.00 

935.88 

37 

690.07 

731.86 

776.60 

824.89 

877.51 

935-45 

38 

69I.05 

732.34 

776.62 

824.55 

876.97 

934.98 

39 

692.12 

732.85 

776.64 

824.17 

876.38 

934.46 

40 

693.24 

733-3Q 

776.62 

823.72 

875.71 

933.89 

41 

694-43 

733-92 

776.56 

823.21 

874.96 

933-27 

42 

695-63 

734-42 

776.45 

822.62 

874.14 

932.58 

43 

696.84 

734.90 

776.28 

82I.97 

873.25 

931-82 

44 

698.06 

735-37 

776.IO 

821.27 

872.28 

930.99 

S 

699.34 

735.90 

775-93 

82O.56 

871.25 

930.08 

700.75 

736.53 

775-84 

819.85 

870.16 

929.09 

47 

702.40 

737-37 

775-9° 

819.21 

869.06 

928.00 

48 

704.39 

738.51 

776.17 

818.68 

867.90 

926.82 

49 

706.82 

739  97 

776.72 

8l8.22 

866.71 

925.54 

50 

709.79 

742.00 

777-50 

817.86 

865.48 

924.15 

ACTUARIES' 


Combined   Experience  Table 
of  Mortality 


NET  PREMIUMS,  NET  VALUES  AND 
COST  OF  INSURANCE 


COMPUTED    THEREFROM 
ON  THE  BASIS  OE 


FOUR  PER  CENT  INTEREST. 


Comb.4% 


Ex 


360 

Principles  and  Practice 

Table  No.  CXXIV. 

J 

\CTUARIES,  OR  COMBINED  EXPERIENCE  TABLE  OF 

MORTALITY. 

Age. 

Number 
Living. 

Number 
Dying. 

Logarithm, 
Number 
Living. 

Logarithm, 
Number 
Dying. 

Logarithm, 
Probability 
of  Dying. 

Yearly 
Proba- 
bility of 
Dying. 

Expect- 
ation of  j 
Life. 

10 
II 
12 
13 
14 

100,000 

99.324 
98,650 
97,978 
97,307 

676 

674 
672 

671 
671 

5.0000000 
4.9970542 
4.9940971 
4.99II286 
4.9881441 

2.8299467 
2.8286599 
2.8273693 
2.8267225 
2.8267225 

7.8299467 
7.8316057 
7.8332722 
7.8355939 
7.8385784 

.006760 
.O067S6 
.0068I2 
.006848 
.OO6896 

48.36 
47-68 
47-OI 
46.33 
45.64 

3 

11 

19 

96,636 
95,965 
95,293 
94,620 

93,945 

67I 
672 
673 
675 
677 

4.9851389 
4.9821129 
4.9790610 
4-9759829 
4.9728737 

2.8267225 
2.8273693 
2.8280151 
2.8293038 
2.8305887 

7.8415836 
7.8452564 
7.8489541 
7.8533209 

7.8577150 

.OO6943 
.OO7003 
.OO7062 
.OO7134 
.OO7206 

44.96 
44.27 
43.58 
42.88 
42.19 

20 
21 
22 

23 

24 

93,268 

92,588- 

.  91,905 

.  91,219 

•  90.529 

680 
683 
686 
690 
.    694 

4.9697327 
4.9665547 

4-963339I 
4.9600853 

4.9567877 

2.8325089 
2.8344207 
2.8363241 
2.838849I 
2.8413595 

7.8627762 
7.8678660 
7.872985O 
7.8787638 
7.8845718 

.OO729I 
.OO7377 
.OO7464 
.OO7564 
.OO7666 

41.49 
40.79 
40.09 

39-39 
38.68 

25 
26 

% 

29 

•  89  835 
89.137 
88.434 
87,726 
87,012 

•  698 

•  703 

•  708 

714 
720 

4.9534456 
4.9500580 
4.9466193 
4.9431283 
4.9395792 

2.8438554 
2.8469553 
2.8500333 
2.8536982 
2.8573325 

7.8904098 

7.8968973 
7.9034140 
7.9IO5699 

7.9*77533 

.OO777O 

.OO7887 
.008006 
.008139 
.OO8275 

37.98 
37.27 
36.56 
35-86 
35.15 

30 
31 
32 

33 
34 

86,292 

85,565 
84,831 
84,089 
83,339 

727 
734 
742 
750 

758 

4.9359705 
4.9322962 
4.9285546 
4.9247392 
4.9208483 

2.8615344 
2.8656961 
2.8704039 
2.8750613 
2.8796692 

7.9255639 

7-9333999 
7.9418493 
7.9503221 
7.9588209 

,008425 
.O08578 
.008747 
.008919 
.OO9095 

34-43 
33.72 
33-oi 
32.30 
31.58 

9 

39 

82,581 
81,814 
81,038 
80,253 
79,458 

767 
776 
785 
795 
805 

4.916880I 
4.9128276 
4.9086887 
4.9044613 
4.9OOI376 

2.8847954 
2.8898617 
2.8948697 
2.9OO3671 
2.9057959 

7.9679153 
7.9770341 
7.9861810 
7.9959058 
8.0056583 

.OO9288 
.OO9485 
.OO9687 
.OO9906 
.OIOI3I 

30.87 
30.15 
29.44 
28.72 
28.00 

40 
4i 

42 
43 
44 

78,653 
77,838 
77,012 

76,173 
75,3i6 

815 
826 

839 
857 
881 

4.8957153 
4.89II917 
4.8865584 
4.8818011 
4.8768872 

2.9III576 
2.9169800 
2.9237620 
2.9329808 
2-9449759 

8.0154423 
8.0257883 
8.0372036 
8.0511797 
8.0680887 

.OIO362 
,0I06l2 
.OIO894 
.OII25I 
.OII697 

27.28 
26.56 
25.84 
25.12 
24.40 

% 

49 

74.435 
73,526 
72,582 
71,601 
70,580 

909 

944 

981 

1,021 

1,063 

4.8717772 
4. 8664409 
4.8608289 
4.854919I 
4.8486817 

2.9585639 
2.9749720 
2.9916690 
3.OO90257 
3.0265333 

8.0867867 
8.1085311 
8. 1 30840 1 
8.1541066 
8.1778516 

.OI22I2 
.OI2839 
.OI3516 
.OI4260 
.OI5061 

23.69 
22.97 
22.27 
21.56 
20.87 

So 
5i 
52 
53 
54 

69,517 
68,409 

67,253 
66,046- 

64.785 

1. 108 

1,156 

1  207 

1  1,261 

-  i,3i6 

4.8420910 
4.835II32 
4-8277II7 
4.8198465 
4.8114745 

3.0445398 
3.0629578 
3.0817073 
3.IOO7151 
3-II92559 

8.2024488 
8.2278446 
8.2539956 
8.2808686 
8.3077S14 

•OI5939 
.OI6898 
.017947 
.OI9093 
.020313 

20.18 
19.50 

18.82 
18.16 
17-50 

Ex. 


Comb.4^ 


Of  Life:   Insurance. 


361 


. 


Table  No.  CXXIV.— Concluded. 

ACTUARIES,  OR  COMBINED   EXPERIENCE  TABLE  OF 

MORTALITY. 

Age. 

Number 
Living. 

Number 
Dying. 

Logarithm, 
Number 
Living. 

Logarithm, 
Number 
Dying. 

Logarithm, 
Probability 
of  Dying. 

Yearly 
Proba- 
bility of 
Dying 

1 
Expect- 
ation of 
Life. 

55 

63,469 

--1,375 

4.8025617 

3.I383027 

8.33574IO 

.021664 

16.86 

56 

62,094 

-1,436 

4.7930496 

3.I57I544 

8.3641048 

.023126 

16.22 

57 

60,658- 

-  1,497 

4.7828881 

3.I7522I8 

8.3923337 

.024679 

15-59 

58 

59>'6i- 

-1,561 

4.7720355 

3.I934029 

8.4213674 

.026386 

14.97 

59 

57,600  ■ 

-  1,627 

4.7604225 

,3.2113876 

8.4509651 

.028246 

14-37 

60 

55,973 

1 1,698 

4.7479786 

3.2299377 

8.481959I 

.O30336 

13-77 

61 

54.275' 

-1,770 

4.7345998 

3.2479733 

8.5133735 

.032612 

13.18 

62 

52,505- 

-  1,844 

4.7202007 

3.2657609 

8.5455602 

.035120 

12.61 

63 

50,661- 

-  1,917 

4.7046738 

3.2826221 

8.5779483 

.037840 

12.05 

64 

48  744- 

-  1,99° 

4.6879212 

3.298853I 

8.6109319 

.040826 

11.51 

1  65 

46,754 

-2,061 

4.6698188 

3.3140780 

8.6442592 

.044082 

10.97 

66 

44.693- 

-2,128 

4.6502393 

3.3279716 

8.6777321 

.047614 

10.46 

67 

42,565- 

-  2,191 

4.6290526 

3.3406424 

8.7H5898 

.051474 

9.96 

68 

40.374- 

-  2,246 

4.6061018 

3.3514098 

8.7453080 

.055630 

9-47 

69 

38,128- 

-2,291- 

4.581244O 

3.360025I 

8.77878H 

.060087 

9.00 

70 

35,837 

-2,327 

4.5543316 

3.3667964 

8.8124648 

.064933 

8-54 

7i 

33.5IO" 

-2.351 

4.5251744 

3.37J2526 

8.8460782 

.070158 

8.10 

72 

3^159- 

..  2  362 

4.4935835 

3.3732799 

8.8796964 

.075805 

7.67! 

73 

28,797- 

-2,358 

4.4593472 

3.3725438 

8.9131966 

.081883 

7.26  1 

74 

26,439- 

c 

-2,339 

4.4222450 

3.3690302 

8.9467852 

.088468 

6.86 

9 

24,  IOO- 

-  2.303 

4.3820170 

3.3622939 

8.9802769 

.095560 

6.48 

21,797- 

-2,249 

4.3383967 

3.35T9895, 

9.OI35928 

.IO3179 

6. 1 1  ! 

77 

19  548- 

-2,179 

4.29II023 

3.3382572 

9.0471549 

.III469 

5.76| 

78 

17,369- 

-  2,092 

4.2^97748 

3.3205617 

9.0807869 

.120444 

5  42! 

79 

15,277- 

-  1,987 

4. 184038 1 

3.2981979 

9.ri4I598 

.130065 

5.09 

80 

13,290- 

-1,866 

4.I235250 

3.2709II6 

9.I473866 

.140406 

4.78 

81 

11,424- 

-I.730 

4.0578182 

3.2380461 

9.1802279 

.151436 

4-48| 

82 

9.694' 

-  1,582 

3.9865030 

3  I992065 

9.2127035 

.163194 

4.18 

83 

8,112- 

■  1,427 

3.9091279 

3.1544240 

9.2452961 

•  I759I2 

3-90 

84 

6,685- 
^417- 

-  1,268 

3.825IOI4 

3.IO3II93 

9.2780179 

.189678 

3.63 

85 

-  1,111 

3.7337588 

3.045714I 

9-3H9553 

.205095 

3.36 

86 

-4,306- 

-    958 

3.6340740 

2.9813655 

9.3472915 

.222480 

3-io 

87 

--'3,348- 

-     811 

3.5247854 

2.9090209 

9.3842355 

.242234 

2  84 

88 

2,537- 

-     673 

3.4043205 

2-828015I 

9.4236946 

.265274 

2  59 

89 

—  1,864- 

-     545 

3.2704459 

2.7363965 

9.4659506 

.292382 

2-35 

90 

~  1.3*9  ■ 

-    427 

3.1202448 

2.6304279 

9.510183I 

.323730 

2. 11  ! 

9i 

-   892 

322 

2  9503649 

2.5078559 

9.55749IO 

.360987 

1.89  j 

92 

570 

231 

2.7558749 

2.3636120 

9.607737I 

.405263 

i.67| 

93 

--339 

155 

2.53OI997 

2.IQO3317 

9.6601320 

.457227 

1.47 ! 

94 

1S4 

95 

2.2648178 

I.9777236 

9.7129058 

.516304 

1.28 

9§ 

89, 

52 

I.94939OO 

I. 7160033 

9.7666133 

.584270 

1. 12 

96 

3? 

24 

I.  5682OI7 

I.3802II2 

9.8120095 

. 648649 

.99 

97 

13 

9 

1. 1 1 39434 

O.9542425 

9.840299I 

.692308 

.89 

98 

4 

3 

0.6020600 

O.4771213 

9.8750613 

.750000 

.75 

99 

1 

1 

0.0000000 

O.OOOOOOO 

O.OOOOOOO 

I.  OOOOOO 

.50 

Comb.4% 


Comm. 


362 

Principles  and  Practice 

Table  No. 

cxxv. 

COMMUTATION  COLUMNS— COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 
10 

E 

X- 

Nx. 

67  556.41688 

25798 

85652 

1  381  771.33882 

72428 

98766 

11 

64  518.97644 

65900 

43870 

1  314  214.92194 

46630 

I3H4 

12 

61  616.49894 

10734 

62644 

1  249  695.94549 

80729 

69214 

13 

58  843  04781 

13035 

17904 

1  188  079.44655 

69995 

06600 

14 

56  192.36788 

41414 

89148 

1  129  236.39874 

56959 

88696 

15 

53  658.54048 

42000 

55034 

1  073  044.03086 

15544 

99548 

16 

51  236.49807 

96917 

76369 

1  019  385.49037 

73544 

44514 

17 

48  920.87671 

69527 

79715 

968  148.99229 

76626 

68145 

18 

46  707.09281 

00909 

OI993 

919  228.11558 

07098 

88430 

19 

44  590.28252 

73156 

36919 

872  521.02277 

06189 

86437 

20 

42  566.29769 

83021 

45118 

827  930.74024 

33033 

49518 

21 

40  630.72555 

27742 

94467 

785  364.44254 

50012 

04400 

22 

38  779.80981 

01236 

90362 

744  733.71699 

22269 

09933 

23 

37  009.95039 

89244 

00522 

705  953-907I8 

21032 

I957I 

24 

35  317-30695 

08990 

94222 

668  943.95678 

31788 

19049 

25 

33  698.61793 

04848 

77874 

633  626.64983 

22797 

24827 

26 

32  150  75615 

6261 1 

64261 

599  928.03190 

17948 

46953 

3 

30  670.37656 

29873 

0951 1 

567  777.27574 

55336 

82692 

29  254.64464 

55138 

28590 

537  106.89918 

25463 

73181 

29 

27  900.52089 

52114 

14970 

507  852.25453 

70325 

44591 

3o 

26  605  43449 

67624 

20707 

479  951.73364 

18211 

29621 

31 

25  366.62194 

72555 

22928 

453  346.29914 

50587 

06914 

32 

24  181.75011 

35847 

38385 

427  979.67719 

78031 

85986 

33 

23  048.30492 

50549 

17628 

403  797.92708 

42184 

47601 

34 

21  964.16759 

15393 

64659 

380  749.62215 

9l635 

29973 

35 

2  1  927.30298 

81304 

10281 

358  785.45456 

76241 

65314 

36 

19  935.51280 

96947 

86689 

337  858.15157 

94937 

55033 

37 

i*i  9S6. 94796 

30160 

87661 

317  922.63876 

97989 

68344 

38 

18  079.83167 

05639 

76670 

298  935.69080 

67828 

80683 

39 

17  212.24014 

7261 1 

19142 

280  855.85913 

62189 

04013 

40 

16  382.55822 

98743 

31333 

263  643.61898 

89577 

84871 

4i 

15  589.23332 

54558 

01997 

247  261.06075 

90834 

53538 

42 

14  830.58053 

58565 

49987 

231  671.82743 

36276 

5I54I 

43 

14  104.81747 

04766 

41280 

216  841  24689 

77711 

01554 

44 

13  409-73877 

03297 

19024 

202  736.42942 

72944 

60274 

45 

12  743-I5378 

60161 

06439 

189  326.69065 

69647 

41250 

46 

12  103.39849 

00432 

00341 

176  583-53687 

09486 

348 1 1 

47 

11  488.46443 

12675 

83617 

164  480.13838 

09054 

34470 

48 

10  897.29735 

04660 

80997 

152  991.67394 

96378 

50853 

49 

10  328.75624 

58288 

61393 

142  094.37659 

91717 

69856 

50 

9  781.91888 

01208 

25216 

131  765.62035 

33429 

08463 

51 

9  255  77817 

*3i88 

41934 

121  983.70147 

32220 

83247 

52 

8  749- 39489 

553IO 

37816 

112  727.92329 

79032 

4I3I3 

53 

8  261.89245 

30424 

56837 

I03  978.5284O 

23722 

03497 

54 

7  792.45209 

29811 

67644 

95  716.63594 

93297 

46660 

Comm. 


Comb.4% 


Of  Life  In 

SURANCK. 

363 

Table  No.  CXXV.— Continued. 

COMMUTATION 

COLUMNS— COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

Mz. 

R 

X- 

10 

14  411.36538 

92243 

89546 

427  355.11784 

16804  70573 

ii 

13  972.24867 

94876 

20289 

412  943.75245 

24560  81027  ! 

12 

13  551.27026 

80706 

56135 

398  971.50377 

29684  60738 

13 

13  147.68448 

21881 

52266 

385  420.23350 

48978  04603 

14 

12  760.19870 

16147 

20352 

372  2J2. 54902 

27096  52337 

15 

12  387.61622 

02941 

12743 

359  512.35032 

10949  31985 

16 

12  029.36383 

44089 

13119 

347  124.73410 

08008  19242 

17 

11  684.37701 

31965 

23248 

335  095  37026 

63919  06123 

18 

1 1  352.16528 

77559 

06285 

323  410.99325 

31953  82875 

19 

11  031.78165 

15225 

98978 

312  058.82796 

54394  76590 

20 

10  722.80768 

89443 

23983 

301  027.04631 

39168  77612 

21 

10  424.40083 

95050 

17375 

290  304.23862 

49725  53629 

22 

10  136.20531 

04226 

55365 

279  879.83778 

54675  36254 

23 

9  857.87704 

57665 

84385 

269  743.63247 

50448  80889 

24 

9  588.69322 

84691 

39643 

259  885.75542 

92782  96504 

25 

9  328.36216 

77048 

88458 

250  297.06220 

08  91  56861  ( 
31042  68403 

26 

9  076.60108 

31152 

08610 

240  968. 7<  003 

27 

8  832.78903 

43129 

37101 

231  892.09894 

99890  59793 

28 

8  596.6:5698 

46466 

60391 

223  059.30991 

56761  22692 

29 

8  367-74187 

45563 

17102 

214  462.62293 

10294  62301 

30 

8  I45.75243 

36154 

54184 

206  094  88105 

64731  45199 

31 

7  930.22582 

62917 

26431 

ig7  949.12862 

28576  91015 

32 

7  720.99329 

82846 

15847 

190  018.90279 

65659  64584 

33 

7  517.61542 

18.57 

46567 

182  297.90949 

82813  48737 

34 

7  3IQ-95I35 

46484 

59661 

1 74  780  29407 

64656  02170 

35 

7  127.86242 

7S37I 

73155 

167  460.34272 

18171  4^509 

36 

6  940.96851 

8i757 

96112 

160  332.48029 

39799  69354 

37 

6  759.15416 

41776 

65802 

153  39I-5II77 

5&041  73242 

38 

6  582.30510 

10723 

27414 

146  632.35761 

16265  .  07440 

39 

6  410.09171 

89450 

07450 

140  050.05251 

05541  80026 

40 

6  242.41903 

79913 

39609 

133  639  96079 

16091  72576 

4i 

6  079  19252 

70295 

15325 

127  397  54175 

36178  32967 

42 

5  920.12563 

45631 

78776 

121  318.34922 

65883  17642 

43 

5  764.76951 

28700 

60453 

115  398.22359 

20251  38866  1 

44 

5  612.18379 

23568 

55169 

109  633.45407 

91550  78413  1 

45 

5  461.35799 

I5I74 

62548 

104  021.27028 

67982  23244  | 

46 

5  3' 1  72399 

50067 

14389 

98  559-91229 

52807  6oeg6  ' 

47 

5  162.30526 

27712 

20755 

93  248.18830 

02740  46307 

48 

5  013.'  0219 

85569 

32889 

88  085  88303 

75028  25552 

49 

4  863.58791 

5<>9I4 

85631 

83  072.88083 

89458  92663 

50 

4  714.01040 

49922 

51815 

78  209  29292 

38544  07032 

5i 

4  564.09734 

94256 

84889 

73  495.28251 

88621  55217 

52 

4  413-70553 

79193 

74691 

68  931  18516 

94364  70328 

53 

4  262.71828 

37204 

49012 

64  5I7.47963 

i5'7o  95637 

54 

4  1 1 1. 04301 

80069 

46621 

60  254.76134 

77966  46625  | 

1 

Comb.4% 


Comm 


364 

Principles  and  Practice 

Table  No.  CXXV.— Continued. 

COMMUTATION  COLUMNS— < 

COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

E 

X' 

Ns. 

n 

7  340.53974 

22453 

81606 

87  924.18385  .63485 

79016 

6  905.30135 

7S249 

69752 

80  583.64411  41031 

97410 

% 

6  486.16133 

11292 

7756o 

73  678.34275  62782 

27658 

6  082.77604 

49972 

22602 

67  192.18142  51489 

50098 

59 

5  694.49826 

27562 

60002 

61  109.40538  01517 

27496 

60 

5  320.81582 

63430 

84620 

55  414.90711  73954 

67494 

61 

4  960.96467 

82784 

50835 

50  094.09129  10523 

82874 

62 

4  614.59537 

31532 

80323 

45  133.12661  27739 

32039 

63 

4  281.27753 

76579 

21488 

40  51S. 53123  96206 

51716 

64 

3  960.84137 

50145 

71310 

36  237.25370  19627 

30228 

55 

3  653.01720 

85761 

89003 

32  276.41232  69481 

58918 

66 

3  357-67853 

06501 

05 1 14 

28  623.39511  83719 

69915 

% 

3  074.81438 

87857 

52979 

25  265.71658  77218 

64801 

2  804.36608 

56435 

85619 

22  190.90219  89361 

11822 

69 

2  546.49960 

64065 

08580 

19  386.53611  32925 

26203 

70 

2  301.43066 

66105 

98308 

16  840.03650  68860 

17623 

7i 

2  069.22319 

32113 

87385 

14  538.60584  02754 

I93I5 

72 

1  850.04836 

32117 

16925 

12  469.38264  70640 

31930 

73 

1  644.04415 

55164 

89010 

10  619.33428  38523 

15005 

74 

1  451.36924 

74543 

43966 

8  975.29012  83358 

25995 

75 

1  272.08635 

78443 

88155 

7  523.92088  08814 

82029 

76 

1  106.27459 

07251 

08866 

6  251.83452  30370 

93874 

9 

953.97106 

95673 

72897 

5  145-55993  23119 

85008 

815.03141 

71091 

52414 

4  191. 58886  27446 

12111 

79 

689.29364 

42455 

23713 

3  376.55744  56354 

59697 

80 

576.57769 

42225 

24695 

2  687.26380  13899 

35984 

81 

476.^6013 

62214 

30378 

2  110.68610  71674 

11289 

82 

388.83844 

07093 

82582 

1  634.12597  09459 

809 1 1 

83 

312.86773 

64899 

09649 

1  245.28753  02365 

98329 

84 

247.91391 

88897 

55681 

932.41979  37466 

88680 

85 

193.16346 

85325 

65233 

684.50587  48569 

32999 

86 

147.64095 

50242 

87125 

491.34240  63243 

67766 

87 

110.37861 

24507 

20215 

343.70145  13000 

80641 

|  88 

80.42417 

39578 

95984 

233.32283  88493 

60426 

!  89 

56.81705 

38558 

25367 

152.89866  48914 

64442 

i  90 

38.65843 

41138 

957o6 

96.08161  10356 

39075 

1  9i 

25.13801 

48346 

61289 

57.42317  69217 

43369 

!  92 

I5-44570 

I595I 

15702 

32.28516  20870 

82080  ! 

93 

8.83281 

51834 

41672 

16.83946  04919 

66378  ! 

94 

4.60981 

95874 

55377 

8.00664  53085 

24706 

u 

2.14399 

00882 

29142 

3.39682  57210 

69329 

.85704 

01173 

77682 

1.25283  56328 

40187 

% 

.28954 

05801 

95i63 

•39579  55154 

62505 

.08566 

28935 

48865 

.10625  49352 

67342 

99 

.02059 

20417 

18477 

« 02059  20417 

18477 

Comm. 


Comb.4^ 


Of  Life  Insurance. 

365 

Table  No.  CXXV.— Concluded. 

COMMUTATION  COLUMNS— COMBINED  EXPERIENCE, 

FOUR  PER  CENT 

Age. 

M 

r*. 

R 

c- 

55 

3  958.84036 

3i55o 

51646 

56 

143.71832 

97897 

00004 

56 

3  805.93043 

03594 

62162 

52 

184.87796 

66346 

48358 

57 

3  652.37891 

74262 

68806 

48  378.94753 

62751 

86196 

58 

3  498.46137 

47991 

86062 

44 

726.56861 

88489 

17390 

59 

3  344.13651 

73658 

08946 

4i 

228.10724 

40497 

31328 

60 

3  189.47324 

49047 

9741 1 

37 

883.97072 

66839 

22382 

61 

3  034.26885 

939i8 

20727 

34 

694.49748 

17791 

24971 

62 

2  878.70588 

80465 

90631 

3i 

660.22862 

23873 

04244 

63 

2  722.87248 

99802 

041 16 

28 

781.52273 

43407 

13613 

64 

2  567.10084 

80160 

04764 

26 

058.65024 

43605 

09497 

65 

2  411. 61673 

44627 

98277 

23  491-54939 

63445 

04733 

66 

2  256.77871 

84050 

29350 

21 

079.93266 

18817 

06456 

67 

2  103.05605 

84887 

58180 

18 

823.15394 

34766 

77106 

63 

1  950.86984 

72229 

65935 

16 

720.09788 

49879 

18926 

69 

1  800.86360 

20491 

03727 

14 

769.22803 

77649 

52991 

70 

1  653.73695 

48072 

89939 

12 

968.36443 

57158 

49264 

7i 

1  510.04604 

55084 

86643 

11 

314.62748 

09085 

59325 

72 

1  370.45672 

29400 

23390 

9 

804.58143 

54000 

72682 

73 

1  235.60822 

15221 

69202 

8 

434.12471 

246c  0 

49292 

74 

1  106.16578 

09798 

89121 

7 

198.51649 

09378 

80090 

75 

982.70478 

55027 

92694 

6 

092.35070 

99579 

90969 

76 

865.81941 

67621 

43718 

5 

109.64592 

44551 

98275 

77 

756.06491 

83246 

04244 

4 

243.82650 

76930 

54557 

78 

653.81646 

08497 

44257 

3 

487.76158 

93684 

50313 

79 

559.42605 

01826 

21418 

2 

833.94512 

85187 

06056 

80 

473.22139 

41690 

65619 

2 

274.51907 

83360 

84638 

81 

395.37990 

13303 

76098 

1 

801  29768 

41670 

19019 

82 

325.98744 

18268 

44855 

1 

405.91778 

28366 

42921 

83 

264.97206 

22500 

40483 

1 

079.93034 

10097 

98066 

84 

212.05161 

91302 

67655 

814.95827 

87597 

57583 

85 

166.83631 

94996 

06271 

602.90665 

96294 

89928 

86 

128.74317 

01656 

57596 

436.07034 

01298 

83657 

87 

97-15932 

58622 

55575 

307.32716 

99642 

26061 

88 

71.45021 

86175 

35968 

210.16784 

41019 

70486 

89 

50.93633 

59753 

84427 

138.71762 

54844 

345i8 

90 

34.96298 

75356 

01895 

87.78128 

95090 

50091 

9i 

22.92943 

1 1069 

01928 

52.81830 

19734 

48196 

92 

14.20396 

45917 

66391 

29.88887 

08665 

46268 

93 

8.18514 

36260 

58349 

15.68490 

62747 

79877 

94 

4.30187 

16909 

73657 

7.49976 

26487 

21528 

U 

2.01334 

29451 

1 1090 

3.19789 

09577 

47871 

.80885 

4*3*4 

99213 

1.18454 

80126 

36781 

11 

.27431 

76757 

54297 

.37569 

38811 

37568 

.08157 

61652 

69351 

.10137 

62053 

83271 

99 

.01980 

00401 

13920 

.01980 

00401 

13920 

Comb.4* 


Logs 


366 

Principles  and 

Practice 

Table  No.  CXXVI. 

LOGARITHMS  OF  COMMUTATION  COLUMNS,  COMBINED 

EXPERIENCE,  FOUR 

PER  CENT. 

Age. 

ADX. 

AN 

i* 

A  M. 

K' 

10 

4.82966 

66070 

6. 14043 

61799 

4.15870 

51293 

11 

4.80968 

74690 

6. 1 1866 

63938 

4.14526 

63O65 

12 

4.78969 

70180 

6.09680 

43606 

4.13198 

OOO68 

13 

4.76969 

51592 

6.07484 

54827 

4.11884 

92731 

14 

4.74967 

73332 

6.05278 

48680 

4.10585 

74371 

15 

4.72963 

88556 

6.03061 

75426 

4.09298 

77417 

16 

4.70957 

94389 

6.00833 

84473 

4.08024 

26602 

\l 

4.68949 

42315 

5.98594 

21978 

4.06760 

55613 

4.66938 

28364 

5.96342 

32993 

4.05507 

87056 

19 

4.64924 

02240 

5.94077 

58998 

4.04264 

56571 

20 

4.62906 

58780 

5.91799 

40078 

4.03030 

85168 

21 

4.60885 

45777 

5-89507 

12346 

4.01805 

I  I02  I 

22 

4.58860 

56748 

5.87200 

10165 

4.00587 

53983 

23 

4-56831 

85030 

5.84877 

63462 

3.99378 

33970 

24 

4.54798 

75799 

5.82538 

97347 

3.98175 

94244 

3 

4.52761 

20896 

5.80183 

34350 

3.96980 

53990 

4.50719 

119*5 

5.77809 

91550 

3.95792 

32486 

II 

4.48671 

91081 

5.75417 

80067 

3.94609 

78577 

4.46619 

48271 

5.73006 

07310 

3-93433 

III39 

29 

4.44561 

23114 

5.70573 

73847 

3.92260 

82748 

30 

4.42497 

03558 

5.68119 

75647 

3-91093 

I2069 

3i 

4.40426 

26363 

5-65643 

00747 

3.89928 

55547 

32 

4.38348 

77289 

5.63142 

31468 

3.88767 

31755 

33 

4.36263 

89909 

5.60616 

40851 

3.87608 

01047 

34 

4.34I7I 

47487 

5.58063 

948 1 1 

3.86450 

81949 

35 

4.32071 

32620 

5.55483 

48281 

3.85295 

93090 

36 

4.29962 

74116 

552873 

44017 

3.84142 

00746 

11 

4.27845 

51601 

5.50232 

14545 

3.82989 

23520 

425719 

43826 

5.47557 

77698 

3.81837 

80088 

39 

4.23583 

73966 

5.44848 

34883 

3.80686 

42436 

40 

4.21438 

17201 

5.42101 

72645 

3-79535 

29184 

4i 

4.19282 

47570 

5-39315 

57281 

3-78384 

58976 

42 

4.I7II5 

81514 

5.36487 

32243 

3.77233 

09233 

43 

4.14936 

74702 

5.33614 

18959 

3.76078 

19480 

44 

4.12742 

03174 

5-30693 

17933 

3- 74913 

18852 

45 

4.10527 

69241 

5.27721 

18437 

3-73730 

06454 

46 

4.08290 

733i8 

5-24695 

02112 

3-72523 

55004 

47 

4.06026 

19836 

5.21611 

34627 

3.71284 

36822 

48 

4-03731 

88011 

5.18466 

77962 

3.70009 

78951 

49 

4.01404 

80280 

5.15257 

68908 

3.68695 

67707 

50 

3.99042 

40569 

5.11980 

21109 

3-67339 

05368 

51 

3.96641 

29377 

5.08630 

18072 

3-65935 

48990 

52 

3.94197 

80185 

5.05203 

15061 

3.64480 

33557 

53 

3.91707 

95374 

5  01694 

36664 

3.62968 

66318 

54 

3.89167 

41409 

4.98098 

74265 

3  6i395 

20213 

Logs. 


Comb.4% 


Of  Life   Insurance. 


367 


Table  No.  CXXVL— 

-Concluded 

LOGARITHMS  OF  COMMUTATION  COLUMNS,  COMBINED 

EXPERIENCE,  FOUR 

PER  CENT. 

Age. 

IVX. 

aN«. 

aMx. 

55 

3.86572 

79943 

4.94410 

83458 

3.59756 

79895 

56 

3.83918 

26366 

4.90624 

69029 

3.58046 

08454 

57 

3.81198 

77467 

4.86733 

98488 

3.56257 

58272 

58 

3.78410 

18270 

4-82731 

87410 

3.54387 

70833 

59 

3-75545 

54648 

4.78610 

80579 

3-52428 

39982 

60 

3.72597 

82265 

4.74362 

66097 

3-50371 

89634 

61 

3-69556 

61348 

4.69978 

65028 

3.48205 

40599 

62 

3.66413 

36262 

4.65449 

54204 

3.45919 

72961 

63 

3.63I57 

33823 

4.60765 

36941 

3-43502 

73041 

64 

3- 59778 

74499 

4.559*5 

52765 

3.40944 

29302 

65 

3.56265 

17181 

4.50888 

52549 

3.38230 

82887 

66 

3.52603 

91138 

4.45672 

11456 

3-35348 

89775 

67 

3.48781 

89047 

4.40253 

16202 

3.32285 

08491 

68 

3  44783 

47063 

4.34617 

49593 

3.29022 

82961 

69 

3.40594 

36133 

4.28750 

02183 

3.25548 

08203 

70 

3.36I99 

78958 

4.22634 

30287 

3.21846 

64312 

7i 

3.3i58o 

73375 

4.16252 

27622 

3.17899 

01903 

72 

3.26718 

30815 

4.09584 

49521 

3.13686 

53255 

73 

3-2I591 

34775 

4.02609 

72915 

3.09188 

07894 

74 

3-16177 

79164 

3-95304 

84961 

3.04382 

02191 

75 

3. 1045 1 

65950 

3.87644 

42200 

2.99242 

30710 

76 

3.04386 

29373 

3.79600 

74743 

2.93742 

732H 

% 

2.97953 

52043 

3.7II43 

26409 

2.87855 

90871 

2. 91117 

43498 

3.62237 

86778 

2.81545 

58504 

79 

2.83840 

42740 

3.52847 

41428 

2.74774 

26858 

80 

2.76085 

78370 

3.42931 

03019 

2.67506 

43707 

81 

2.67811 

77112 

3.32442 

36514 

2.59701 

45887 

82 

2.58976 

91929 

3.21328 

55321 

2.51320 

08697 

83 

2.49536 

07802 

3.09526 

96391 

2.42320 

00858 

84 

2.39430 

09105 

2.96961 

14843 

2.32644 

15928 

85 

2.28592 

49950 

2.83537 

71799 

2.22229 

06003 

86 

2.16920 

68456 

2.69138 

42484 

2.10972 

41988 

11 

2.04288 

49303 

2.53618 

13659 

1.98748 

44928 

1.90538 

66089 

2.36795 

72517 

1.85400 

35619 

89 

1-75447 

87105 

2.18440 

36931 

1.70702 

77015 

90 

1.58724 

42586 

1.98264 

02765 

i.5436o 

85354 

9i 

1.40033 

09781 

1.75908 

72160 

1.36039 

32797 

92 

1. 18880 

76401 

1 .  50900 

29711 

1. 15240 

95809 

93 

0.94609 

91434 

1.22632 

81731 

0.91302 

63045 

94 

0.66368 

39289 

0.90345 

05899 

0.63365 

74528 

95 

0.33122 

27732 

0.53107 

32653 

0.30391 

77571 

96 

9.93300 

11514 

0.097S9 

40967 

9.90787 

02081 

97 

9.46170 

94404 

9-59747 

08692 

9-43825 

37924 

98 

8.93279 

27400 

9.02634 

91107 

8.91156 

32862 

99 

8.31369 

94095 

8.31369 

94095 

8.29666 

60701 

Comb.  Ex. 


Ann 


368 


Principles  and   Practice 


Table  No.  CXXVII. 
LIFE  ANNUITIES— FIRST  PAYMENT  IMMEDIATE. 
Showing  the  Values  of  Annuities  of    One  Dollar  on   Single 
Lives,    according  to  Combined   Experience    Rate  of  Mor- 
tality.   WITH  INTEREST  AS    NAMED. 


I    Age. 


10 
II 
12 
13 

14 


II 

19 
20 
21 
22 

23 

24 

27 
28 
29 

30 
31 
32 

33 
34 

11 
11 

39 
40 
4i 
42 
43 
44 

% 

49 
50 
5i 
52 
53 
54 


I 

Per  Cent. 


24.356 
24.220 
24.080 
23.936 
23.787 
23.633 

23-475 
23-313 
23.146 

22.974 
22.797 
22.616 
22.430 
22.239 
22.043 

21.842 
21.635 
21.423 
21.205 
20.982 

20.754 
20.519 
20.279 
20.032 
19.780 
19-521 
19.255 
18.983 
18.703 
18.417 

18.123 
17.821 
17-512 

17.195 
16.870 

16.540 
16.204 
15.864 
I5-5I9 
15. 171 

14.820 

14.465 
14.107 

13-747 
13-385 


4 

Per  Cent. 


20.454 
20.369 
20.282 
20.I9I 
20.096 

I9.998 
19  896 
19.790 
19.681 
19.568 

19.450 
19.329 
19.204 

I9.075 
18.941 

18.803 
18.660 
18.512 
18.360 
I8.202 

18.040 
17.872 
17.698 
17.520 

17-335 

17.144 
16.948 
16.744 

16.534 
16.317 

16.O93 

15.861 
15.621 

15-374 
15. 119 

14-857 
14.590 

I4-3I7 
14.039 

13-757 
I3.470 

13.179 

12.884 
12.585 
12.283 


5 

Per  Cent. 


17.556 
I7.502 
17.445 
17.386 
17.324 

17.259 
17.192 
17. 121 
I7.O48 
16.97I 

16.89I 
16.808 
16.722 
16.632 
16.539 
16.442 
16.34I 
16.236 
I6.I27 
16.OI4 

15.896 

15-774 
15.647 
15.515 
15.378 

15-235 
15.087 
14-933 
14.773 
14.606 

14.433 
14-252 
14.064 

13.868 
13.666 

I3.456 
13-241 
13.020 
12.794 
12.563 

12.326 
12.085 
11.840 
11.590 
n.336 


Per  Cent. 


15.347 
15-312 

15-274 
15-234 
15.193 

15-149 
I5.I02 

I5-054 
I5-003 
I4-950 

14.894 
14-836 
14.775 
14.712 
14.645 

14.576 
I4503 
14.427 

14-347 
14.264 

14.177 
14.087 
13.992 
13-893 
13.789 
13.681 
13.568 
I3-450 
13.326 
13-196 

13.060 
12.918 
12.768 
12.612 
12.448 

12.279 
12  104 
11.923 
11-737 
11.546 

11-349 
11. 148 
10.942 
10.731 
10.515 


7 
Per  Cent. 


13-625 
13.601 
13.575 
13-547 
13.518 

13-487 
13-454 
13.420 

13-384 
13.346 

13.306 
13.264 
13.220 

I3:i74 
13.125 

13074 
13.020 
12.964 
1 2. 9c  5 
12.843 

12.778 
12.710 
12.638 
12.563 
12484 

12.401 
12.313 
12.221 
12.124 
12.022 

11. 914 

11.800 
11.680 

H-553 
11.420 

11. 281 

11. 137 
10.988 
10.833 
10.674 

10.509 
10.338 
10.164 

9-985 
9.801 


M 
Per  Cent. 


12.251 
12.234 
I2.2I6 
I2.I96 
12.175 

12.153 
12.129 
I2.I04 
12.078 
I2.050 

12.021 
II.99O 

H-957 
11.923 

11.887 

11.849 
1 1 . 809 
11.767 
11.722 
11.675 

11.625 
11.573 
11.518 
11.460 
11.398 

11-333 
11.264 
11. 191 
11. 114 
11.032 

io.945 
10.853 

io.755 
10  652 

10.543 
10.428 
10.308 
10.182 
10.053 
9.918 

9-779 
9.635 
9.486 
9-332 
9.174 


Ann. 


Comb.  Ex. 


Of  Life   Insurance. 


369 


Table  No.  CXXVIL—  Concluded.  ' 

LIFE  ANNUITIES.— 

FIRST  PAYMENT  IMMEDIATE. 

Showing  the  Value   of  Annuities 

of   One  D 

OLLAR     ON 

Single 

Lives,   according  to' 

Combined 

Experience  Rate  of    Mor- 

TAL1TY,    WITH    INTEREST  AS   NAMED. 

Age. 

n 

3 

Per  Cent. 

4 

Per  Cent. 

A 

Per  Cent. 

Per  Cent. 

7 
Per  Cent. 

8 
Per  Cent. 

I3.02I 

II.978 

II.077 

IO.295 

9.612 

'9.01 1 

12.656 

II.670 

IO.816 

IO.071 

9.419 

8.844 

57 

12.290 

11-359 

IO.550 

9.843 

9.221 

8.672 

58 

H.923 

II.046 

IO.282 

9.6H 

9.OI9 

8-495 

59 

11-555 

10.731 

IO.OIO 

9-375 

8.813 

8.314 

60 

II. 188 

IO.415 

9-735 

9.136 

8.603 

8.129 

61 

10.822 

IO.098 

9-459 

8.893 

8.390 

7.940 

62 

IO-457 

9.781 

9.182 

8.649 

8.174 

7.748 

63 

IO.O96 

9.464 

8.903 

8.403 

7-955 

7-553 

64 

9-737 

9.149 

8.625 

8.156 

7-735 

7-355 

ol 

9.382 

8.836 

8-347 

7.908 

7-513 

7-!56 

9.032 

8.525 

8.070 

7.660 

7.29I 

6-955 

u 

8.686 

8.217 

7.795 

7.413 

7.067 

6.753 

8-347 

7-9*3 

7.521 

7.167 

6.844 

6.551 

69 

8.013 

7.613 

7.251 

6.922 

6.622 

6.348    f 

70 

7.685 

7.317 

6.983 

6.678 

6.400 

6.145 

71 

7-364 

7.026 

6.718 

6-437 

6.179 

5-942 

72 

7.049 

6.740 

6.457 

6.I98 

5-960 

5-74Q 

73 

6.742 

6.459 

6.200 

5.962 

5.742 

5- 540 

74 

6.441 

6. 1 84 

5-947 

5.729 

5  527 

5-340 

9 

6.148 

5-9*5 

5.699 

5-499 

5.3I4 

5-142    | 

5.863 

5.651 

5-455 

5-273 

5-104 

4.946     i 

9 

5.585 

5-394 

5.216 

5-050 

4.896 

4.752     ! 

5.315 

5-143 

4.982 

4.832 

4.692 

4.561  ! 

79 

5-053 

4.899 

4-754 

4.618 

4.491 

4-372 

80 

4-799 

4.661 

4.531 

4.409 

4.294 

4.187 

81 

4-553 

4.429 

4.313 

4.204 

4.101 

4.004 

82 

4.312 

4.203 

4.099 

4.002 

3.910 

3-823 

83 

4.077 

3.980 

3.889 

3-803 

3.721 

3.643  : 

84 

3.846 

3.761 

3.681 

3-605 

3-533 

3.464     : 

S 

3.617 

3-544 

3-474 

3.408 

3-344 

3.284     i 

3.391 

3-328 

3.268 

3.210 

3.I56 

3.103    ; 

5 

3.167 

x  3.II4 

3-063 

3.013 

2.967 

2.922 

2.946 

2.901 

2.858 

2.817 

2.777 

2.739 

89 

2.728 

2.691 

2.655 

2.621 

2.588 

2.556    ; 

90 

2.516 

2.485 

2.456 

2.428 

2.401 

2.375    ! 

91 

2.309 

2.284 

2.261 

2.238 

2.216 

2.195    1 

92 

2.109 

2.090 

2.072 

2.054 

2.037 

2.020 

93 

1. 921 

1.906 

1.892 

1.879 

1.865 

1.852 

94 

1.748 

1^737 

1.726 

1. 716 

1.706 

1.696 

Si 

1.592 

1.584 

1.576 

1.569 

1.561 

1-554 

1.468 

1.462 

1.456 

1.450 

1-445 

1.439 

91 

1. 37i 

1-367 

1.363 

L359 

1-355 

1-351 

98 

1.243 

1.240 

1.238 

1.236 

1.234 

1.232   ; 

99 

1. 000 

1. 000 

1. 000 

1. 000 

1. 000 

1. 000 

I 

Comb.Ex. 


S.  P.  Life 


370 

Principles  and 

Practice 

Table  No.  CXXVIII. 

NET  SINGLE  PREMIUMS   FOR 

WHOLE   LIFE   INSURANCE, 

COMBINED  EXPERIENCE  TABLE  OF  MORTALITY, 

WITH  RATES  OF  INTEREST  AS  NAMED. 

Age. 

3 

4 

5 

6 

7 

8 

Per  Cent. 

PerCent. 

PerCent. 

PerCent. 

Per  Cent. 

PerCent. 

20 

336.00 

251.91 

195.68' 

156.95 

129.52 

109.50 

21 

341.28 

256.56 

199.63 

160.22 

132.26 

ill. 79 

22 

346.69 

261.38 

203.73 

163.68 

J35-I4 

114.22 

23 

352.26 

266.36 

208.01 

167.24 

138.15 

116.75 

24 

357-97 

271.50 

212.44 

171.04 

141.35 

H9-45 

25 

363-83 

276.82 

217.07 

174.94 

144.69 

122.24 

26 

369.85 

282.31 

221 .87 

179.07 

148.22 

125.23 

27 

376.03 

287.99 

226.87 

183.38 

151.89 

128.37 

28 

38.2.36 

293.86 

232.06 

187.91 

155-74 

131.68 

29 

388.86 

299.91 

237-43 

192 .60 

159.80 

J35-I9 

30 

395 -52 

306.17 

243.06 

197.52 

164.06 

138.90 

31 

402.35 

312.62 

248.86 

202.62 

168.50 

142.80 

32 

409.36 

319.29 

254-9I 

208.01 

173.60 

146.90 

33 

416.54 

326.17 

261.18 

213.61 

177.90 

151.22 

34 

423.89 

333-27 

267.72 

219.50 

183.29 

i55-8o 

35 

■43*-44 

340.60 

274.52 

225.60 

188.72 

160.63 

36 

439-17 

348.17 

281.56 

232.00 

194.47 

165.73 

37 

447.10 

355-99 

288.91 

238.68 

200 . 49 

171. 13 

38 

455-24 

364.07 

296.53 

245.70 

206 . 84 

176.85 

39 

463.58 

372.41  ■ 

304.47 

253.06 

2i3-5i 

182.86 

40 

472.14 

381.04 

312.71 

260.75 

220.58 

189.32 

4i 

480.93 

389.96 

32i-34 

268.79 

228.04 

196.13 

42 

489.95. 

399.18 

330.28 

277.28 

235-89 

203.38 

43 

499.19 

408.71 

339.62 

286.11 

244.19 

211 .04 

44 

508.63 

418.52 

349-23 

295.40 

252.90 

219.13 

45 

518.26 

428.57 

359-25 

304.97 

261 .99 

227  65 

46 

528.04 

438.86 

369.48 

3U.87 

271.41 

236.51 

47 

537-95 

449-35 

380.00 

325-I2 

281.16 

245-75 

48 

547.98 

460.02 

390.77 

335.65 

291.30 

255-37 

49 

558.12 

470.88 

401 . 76 

346.46 

301.70 

265.29 

5o 
5i 

568.36 
578.70 

481 .91 
493-" 

413.06 
424.52 

357-62 
368.99 

312.36 

275-65 

38^-33 

"  286".  $i — 

52 

589.12 

504.46 

436.20 

380.65 

335-07 

297-3I 

,53 

5-99.60 

5I5-95 

448 . 10 

392.58 

346.87 

308.73 

54 

610.15 

527.57 

460 . 20 

404.81 

358.8i 

320.43 

55 

620.75 

539.31 

472.53 

417.27 

371.18 

332-5° 

56 

631-39 

55i.i6 

484.96 

429.94 

383.81 

334.90 

57 

642.05 

563-10 

497.62 

442.85 

396.75 

357-65 

58 

652.74 

575-14 

510.39 

455-97 

409.98 

37°-73 

59 

663.44 

587.26 

523-33 

469.34 

423.44 

384.i3 

60 

674.14 

599-43 

536.43 

482.86 

437-i8 

397.86 

61 

684.80 

611.63 

549-59 

496.63 

451.12 

411.85 

62 

695.41 

623.83 

562.77 

510.45 

465.25 

426.08 

63 

705-95 

636.00 

576.06 

524.36 

479-58 

440.52 

64 

716.40 

648.12 

589.29 

538.34 

493-97 

455-13 

65 

726.73 

660.17 

602.54 

552.38 

508.49 

469.92 

66 

736.94 

672 .12 

615.72 

566.41 

523-01 

484.79 

67 

747.00 

683.97 

828.82 

580.39 

537-68 

499-77 

68 

756.89 

695-65 

641.86 

594.32 

552.26 

514.75 

69 

766.62 

707.19 

654.72 

608 . 20 

566.79 

529.80 

70 

776.17 

7i8.57 

667.49 

622 .01 

581.31 

544-91 

Term 


Cornb.4% 


Of  Life  Insurance 


37i 


Table  No.  CXXIX. 

NET  ANNUAL  PREMIUMS  PER 

$1000 

TEMPORARY 

IN- 

SURANCE,   IN 

TERMS  AS   STATED 

,   COMBINED 

EXPERIENCE 

,  FOUR  PER  CENT. 

1 

3 

5 

7 

10 

15 

20 

25 

Year. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

7.01  * 

7.09 

7.18 

7.27 

7.41 

7.66 

7-94 

8.24 

21 

7.09 

7.18 

7.27 

7-36 

7-5i 

7.78 

8.08 

8.40 

22 

7.18 

7.28 

7-37 

7.46 

7-63 

.     7.91 

8.22 

8.57 

23 

7.27 

7-37 

7-47 

7-58 

7-74 

8.05 

8-37 

8.76 

24 

7-37 

7.46 

7.58 

7.69 

7.87 

8.19 

8.53 

8-97 

25 

7-47 

7.58 

7.70 

7.81 

8.01 

8-34 

8.70 

9.19 

26 

7-58 

7.70 

7.82 

7-95 

8.15 

8.50 

8.89 

9-44 

27 

7.70 

7-83 

7-95 

8.09 

8.30 

8.67 

9.10 

9.71 

28 

7-83 

7-95 

8.09 

8.24 

8.46 

8.84 

9-33 

IO.OI 

29 

7.96 

8.10 

8.24 

8.39 

8.62 

9-°3 

9.58 

I0.33 

30 

8.10 

8.24 

8.40 

8.56 

8.80 

9.24 

9.86 

IO.68 

3i 

8.25 

8.41 

8-57 

8-73 

8.98 

9.46 

10.16 

II.06 

32 

8.41 

8-57 

8.74 

8.91 

9.17 

9.71 

10.49 

II.48 

33 

8.58 

8-75 

8.92 

9.10 

9-38 

9-99 

10.86 

II.94 

34 

8-75 

8-93 

9. 11 

9-3° 

9-59 

IO.29 

II.26 

12.44 

35 

8.93 

9.12 

9-3i 

9-5° 

9-83 

IO.63 

II.70 

12.98 

36 

9.12 

9-3i 

9-5i 

9.71 

10.10 

II  .01 

12.19 

13.58 

37 

9-31 

9-52 

9-73 

9.96 

10.41 

n-43 

12.72 

14.22 

38 

9-53 

9-73 

9.96 

10.23 

io.75 

11 .90 

13-31 

14.94 

39 

9-74 

9.96 

10.21 

10.53 

11. 15 

12.42 

13.95 

I5.7I 

40 

9.96 

10.20 

10.51 

10.89 

11.59 

13.00 

14.66 

16.56 

41 

10.20 

10.49 

10.86 

11. 31 

12.09 

13.64 

15-44 

17.48 

42 

10.48 

10.83 

11.28 

11.79 

12.67 

14.35 

16.31 

18.49 

43 

10.82 

11.25 

11.77 

12.35 

i3-3i 

15-14 

17.25 

19-59 

44 

11.25 

11.76 

12.34 

12.97 

14-03 

16.01 

18.29 

20. 7Q 

45 

11.74 

12.34 

12.98 

13.68 

14.82 

16.96 

19.42 

22.08 

46 

12-35 

12.99 

13.69 

14.45 

15.69 

18.01 

20.65 

23.46 

47 

13.00 

13.70 

14.47 

15.29 

16.63 

19 .13 

21 .98 

24.94 

48 

13  -7i 

14.46 

i5-3i 

16.20 

17-65 

20.36 

23-41 

26.53 

49 

14.48 

15.29 

16.23 

17.19 

18.76 

21 .69 

24.96 

28.23 

5o 

15-33 

16.24 

17-23 

18.28 

19-97 

23  •  x4 

26.63 

30.03 

5i 

16.25 

17-25 

18.31 

19-43 

21.28 

24.71 

28.42 

31.96 

52 

17.26 

18.34 

19.50 

20.72 

22.71 

26.42 

3° -35 

34.00 

53 

18.36 

19-53 

20.78 

22 .10 

24.26 

28.27 

32.42 

36.17 

54 

19-53 

20.81 

22 .16 

23.60 

25.96 

30.27 

34.64 

38.46 

55 

20.83 

22.21 

23.67 

25.24 

27.80 

32-43 

37.02 

40.89 

56 

22.24 

23.71 

25-31 

27.03 

29.81 

34-76 

39-55 

43.46 

57 

23-73 

25-35 

27.10 

28.99 

32.00 

37-28 

42 .26 

46.17 

58 

25-37 

27-J5 

29.08 

3I-I3 

34-39 

40.00 

45-15 

49.03 

59 

27.16 

29.13 

3I-24 

33-47 

36.99 

42.93 

48.23 

52.05 

60 

29.17 

3!-32 

33-62 

36.03 

39.81 

46.08 

s1^2 

55.23 

61 

S1^6 

33-71 

36.21 

38.83 

42.87 

49.46 

55  -oo 

58.58; 

62 

33-77 

36.33 

39 .04 

41.86 

46.18 

53.o8 

58.68 

62.10 

63 

36.38 

39.i8 

42.12 

45.15 

49-74 

56.96 

62.58 

65.81 

64 

39.26 

42.29 

45-47 

48.71 

53-59 

61 .10 

66.71 

69.73 

65 

42,39 

45.68 

49.10 

52.56 

57-73 

65-51 

71.06 

73.85 

66 

45-78 

49-36 

53- 02 

56.72 

62.18 

70.21 

75-64 

78.20 

67 

49-49 

53-33 

57-25 

61 .20 

66.94 

75  •  19 

80.49 

82.78 

68 

53-49 

57.61 

61.81 

66.00 

72.06 

80.49 

85.59 

87.61 

69 

57.78' 

62.22 

66.72 

71.19 

77-53 

86.10 

90.98 

92.71 

70 

62.44 

67.22 

72.03 

76.75 

83.41 

92.04 

96.68 

98 .  10 

Comb.4* 


NetPrems 


372 


Principles  and   Practice 


Table  No.  CXXX. 

NET  ANNUAL  PREMIUMS  PER 

$1000,  COMBINED 

EXPERIENCE, 

FOUR  PER  CEN1 

Age. 

Single 
Life. 

Whole 
Life. 

5 

Payment 

10 

Payment 

15 

Payment 

20 

Payment 

Endow- 
ment 10 

Life. 

Life. 

Life. 

Life. 

Years. 

20 

25I.9I 

12.95 

55.18 

30.8I 

22.86 

I9.OO 

83.86 

21 

256  56 

I3.27 

56.21 

31.40 

23.29 

19-37 

83.9I 

22 

261.38 

I3.61 

57-28 

32.OO 

23.75 

I9.76 

83.97 

23 

266.36 

13.96 

58.38 

32.63 

24.22 

20.I5 

84.03 

24 

271.50 

14.33 

59-52 

33-27 

24.71 

20.57 

84.09 

25 

276.82 

I4.72 

60.70 

33-94 

25.21 

21.  OO 

84.15 

26 

282.31 

15.13 

61.92 

3464 

25.74 

21-44 

84.22 

27 

287.99 

I5.56 

63.18 

35.35 

26.28 

2I.9O 

84.29 

28 

293.86 

16.OI 

64.49 

36.09 

26.84 

22  38 

84.37 

29 

299.91 

16.48 

65.83 

36.86 

27.43 

22.88 

84.45 

30 

306.17 

16.97 

67.23 

37-66 

28.03 

23-39 

84-54 

31 

312.62 

1749 

68.67 

38.48 

28.65 

23-93 

84.63 

32 

319  29 

18.04 

70.15 

39-33 

29.30 

2449 

84.72 

33 

326.17 

18.62 

71.69 

40.21 

2997 

25.07 

84.82 

34 

333.27 

I9.23 

73  28 

41.12 

30.67 

25.66 

84.92 

3§ 

340.60 

I9.87 

74.92 

42.06 

3T.40 

26.32 

85-03 

36 

348.17 

20.54 

76.61 

43.04 

32.15 

26.98 

85.15 

37 

35599 

21   26 

78.37 

44-05 

32.94 

27.67 

85.28 

38 

364.07 

22.02 

80.18 

45.10 

33.76 

28.40 

85.42 

39 

372.41 

22.82 

82.05 

46.20 

34  62 

29.17 

85.58 

40 

381.04 

23.68 

84.00 

47-33 

35-53 

29.98 

85.76 

41 

389-96 

2459 

86.01 

48.53 

36.47 

30.83 

85.98 

42 

399  18 

25-55 

88.11 

49-77 

37-47 

31-74 

86.22 

43 

408.71 

26.58 

90.29 

51.08 

38.52 

32.69 

86.51 

44 

418.52 

27.68 

92.55 

52-44 

39-63 

33.71 

86.84 

45 

428.57 

28.85 

94.88 

53-86 

40.78 

34-77 

87.21 

46 

438.86 

30.08 

97.29 

55-33 

41.99 

35-90 

87.62 

47 

449-35 

31-39 

99-75 

56.85 

43  25 

37.o8 

88.06 

48 

460.02 

32.77 

102.28 

58.43 

44-57 

38.32 

88.55 

49 

470.88 

34.23 

104.87 

60.05 

45-95 

39-63 

89.08 

50 

481.91 

35.78 

107.52 

6i.74 

47  38 

41.02 

89.66 

5i 

493- 11 

37.42 

110.25 

63  49 

48.89 

42.48 

90.29 

52 

504.46 

39- 15 

113  03 

65.30 

5046 

44.02 

9C.98 

53 

5I5.95 

41.00 

115.88 

67.17 

52.12 

45-66 

9!-73 

54 

527.57 

42.95 

118.78 

69.12 

53.86 

47-39 

92-55 

55 

539-31 

45.03 

121.77 

71.14 

55.69 

49  24 

93-45 

56 

551.16 

47-23 

124.83 

73.25 

57.63 

51.20 

94-43 

11 

563-10 

49-57 

127.95 

75-44 

59-67 

53.29 

95.52 

575.14 

52.07 

131.17 

77-75 

61.84 

55-53 

96.71 

59 

587.26 

54.72 

13445 

80.15 

64.15 

57.92 

98.02 

60 

599  43 

57.56 

137.84 

82.68 

66.60 

60.49 

99  47 

61 

611  63 

60.57 

141.32 

85.34 

69.21 

63.24 

101.07 

62 

623  83 

63.78 

144.90 

88.13 

71.99 

66.18 

102. 81 

63 

636.00 

67.20 

148.57 

91.07 

74  96 

'    69.33 

104.73 

64 

6,8.12 

70.84 

152.34 

94.16 

78.12 

72.71 

106.83 

65 

660.17 

74.72 

156.23 

97-43 

81.50 

76.34 

109.12 

66 

672.12 

7885 

160.23 

100.S8 

85.12 

80.22 

3 

683.97 

83.24 

164.35 

104.53 

88.99 

84.38 

695.65 

87.91 

168  59 

108.39 

93-14 

88.S5 

69 

707.19 

92.89 

172.97 

112.48 

97-59 

93-63 

70 

718.57 

98.20 

I77.5I 

116.85 

102.36 

98.77 

NetPrems. 


Comb.4% 


Of 

IyiFK  Insurance 

373 

Table  No.  CXXX.— Continued. 

NET  ANNUAL  PREMIUMS  PER  $1000 

COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Endowment 

Endowment 

Endowment 

Endowment 

Endowment 

Endowment 

Age. 

15  Years. 

20  Years. 

35  Years. 

30  Years. 

35  Years. 

40  Years. 

20 

52.27 

36.97 

28.19 

22.68 

I9.06 

16.64 

21 

52.33 

37-05 

28.28 

22.79 

I9.I9 

16.80 

22 

52.40 

37.12 

28.37 

22.90 

19-33 

16.97 

23 

52.47 

37  21 

28  47 

23.02 

I9.48 

17.16 

24 

52.54 

37-29 

28.57 

23.15 

I9.64 

17.36 

25 

52.62 

37-39 

28.69 

23.29 

19.82 

17.58 

26 

52.70 

37  48 

28.81 

23.45 

20.0I 

I7.8I 

% 

52.79 

37-59 

28.94 

23.61 

20.22 

18.07 

52.88 

37.70 

29.08 

23.79 

20.45 

18.35 

29 

52.98 

37.82 

29.24 

23.99 

20.70 

18.66 

30 

53.08 

37-95 

29.41 

24.21 

20.97 

18.99 

3i 

53.19 

38.09 

29-59 

24.44 

21.26 

.    19-35 

32 

53-31 

38.25 

29.79 

24.70 

21-59 

19.74 

33 

53-44 

38.41 

30.OI 

24.98 

21.94 

20.16 

34 

53-57 

38.60 

30.25 

25.29 

22.32 

20.62 

H 

53-72 

38.80 

30.52 

25-63 

22.74 

21.12 

53.89 

39-03 

30.82 

26.01 

23.20 

21.66 

12 

54.07 

39.28 

31.14 

26.42 

23.70 

22.24 

54.28 

39-56 

3I.50 

26.87 

24.25 

22.88 

39 

54.51 

39-87 

3T.90 

27.37 

24.85 

23.57 

40 

54-77 

40.21 

32.35 

27.92 

25oO 

24.32 

4i 

55.07 

40.61 

32.84 

28.53 

26.22 

25.13 

42 

55-41 

41.04 

33  39 

29.20 

27.OI 

26.01 

43 

55-79 

41-53 

34.oo 

29.94 

27.87 

26.96 

44 

56:22 

42.08 

34-68. 

30.75 

28.80 

27.99 

4§ 

56.70 

42.68 

35.42 

31.63 

29.82 

29.09 

46 

57.23 

43-34 

36.23 

30.91 

47 

57.80 

44.06 

37.12 

32.09 

48 

58.43 

44-85 

38.08 

33-35 

49 

59-11 

45.71 

39-13 

34-71 

So 

5986 

46.65 

40.27 

36.16 

5i 

60.68 

47-68 

52 

61.58 

48.81 

53 

62  56 

50.03 

54 

63.63 

51.37 

55 

64.80 

52.84 

56 

66.09 

% 

67-51 

69.06 

59 

70.77 

60 

72.64 

Comb.4% 


NetPrems 


374 

Principles  and 

Practice 

Table  No.  CXXX.— Continued 

NET  ANNUAL  PREMIUMS  PER  $1000, 

COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Endowment 

Endowment 

Endowment 

Endowment 

Endowment 

Endow- 

j   Age. 

in  15 

in  20 

in  25 

in  30 

in  35 

ment, 

Years  by  10 

Years  by  lO 

Years  by  10 

Years  by  lO 

Years  by  1 0 

Death 

Payments. 

Payments. 

Payments. 

Payments. 

Payments. 

or  35. 

20 

70.47 

59-95 

51-74 

45  38 

40.53 

52.27 

21 

70.54 

60.04 

51.85 

45-53 

40.73 

56.79 

22 

70.61 

60.13 

51.97 

45.69 

40.94 

62.02 

23 

70.67 

60.23 

52.10 

45-86 

4I.I8 

68.14 

24 

70.75 

60.33 

52.23 

46.04 

41.43 

75-41 

u 

70.84 

60.44 

52.38 

46.25 

41.70 

84.15 

70.92 

60.55 

52.54 

46.46 

41.99 

94.87 

27 

7I.02 

60.67 

52.71 

46.69 

42.30 

108. 20 

28 

71.II 

60.80 

52.89 

4694 

42.64 

125-59 

29 

71.21 

60.94 

53.o8 

47.22 

43-00 

148.71 

30 

71.32 

61.O9 

53-29 

47.51 

43-40 

181  11 

31 

71-44 

61.25 

53.52 

47.83 

43.82 

229  80 

32 

71.56 

61.42 

53-77 

48.17 

44.28 

311.02 

33 

71.68 

61.60 

54.03 

48.55 

44.78 

473.58 

34 

71.82 

61.80 

54-32 

48.95 

45-31 

961.54 

35 

71.97 

62.02 

54-64 

49-39 

45-89 

36 

72.13 

62  26 

54.98 

49.86 

3l 

72.31 

62.52 

55-37 

50.39 

38 

72.50 

62  81 

55.78 

5095 

!     39 

72.73 

6313 

56.24 

51.57 

40 

72.98 

63.50 

56  75 

52.24 

4i 

73.27 

63.90 

57-31 

42 

73.60 

64.37 

57-94 

43 

73-97 

64.88 

38.63 

44 

74.40 

65.46 

59-41 

46 

74.87 

66.IO 

60.24 

75.40 

66.79 

48 

75-97 

67.55 

76-59 

68.38 

49 

77.26 

69.26 

50 

78.00 

70.23 

5i 

78.80 

52 

79-67 

53 

1 

80.62 

i 

NetPrems. 


Comb.4% 


Of 

Life   Insurance. 

375 

Table  No.  CXXX.— Continued. 

NET   ANNUAL  PREMIUMS  PER  $1000,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

Age. 

ment, 

ment, 

ment, 

ment, 

ment, 

ment, 

ment, 

Death  or 

Death  or 

Death  or 

Death  or 

Death  or 

Death  or 

Death  or 

40. 

45. 

50. 

55. 

60. 

65. 

TO. 

20 

36-97 

28.19 

22.68 

19.06 

16.64 

15.04 

14.02 

21 

39-42 

29.71 

23  70 

19.80 

17.20 

15-49 

14.41 

22 

42.15 

31.36 

24.80 

20.58 

17.80 

15-97 

14.82 

23 

45-21 

33.18 

26.00 

21.42 

18.43 

16.48 

15.25 

24 

48.68 

35.18 

27.28 

22.32 

I9.IO 

17.01 

I5.70 

25 

.    52.62 

37-39 

28.69 

23.29 

I9.82 

17.58 

16.17 

26 

57-15 

39  84 

30.21 

24-33 

20.58 

18.18 

16.68 

27 

62.38 

42.58 

31.88 

25.46 

21  40 

18.81 

17.21 

28 

68.52 

45-66 

33.71 

26.67 

22.27 

19.49 

17.77 

29 

75-79 

49-13 

35.72 

27.98 

23.21 

20.21 

18.36 

30 

84.54 

53.o8 

37-95 

29.41 

24.21 

20.97 

18.99 

31 

95.26 

57.62 

40.42 

30  96 

25.29 

21.78 

19.65 

32 

108.69 

62.86 

43-17 

3265 

26.44 

22.65 

20.36 

33 

125.99 

69.00 

46.26 

34-51 

27.70 

23.58 

2I.IO 

34 

149.10 

76.28 

49-75 

36.55 

29.05 

24-57 

21.89 

3§ 

181.50 

85-03 

53-72 

38.80 

30.52 

25.63 

22.74 

36 

230.16 

95-76 

58.27 

41.30 

32.12 

26.78 

23.64 

37 

311.34 

109.19 

63-53 

44.09 

33.87 

28.01 

24.60 

38 

473-83 

126.49 

69.69 

47.22 

35.78 

29-34 

25-63 

39 

961.54 

149.59 

76.99 

50.75 

37.89 

30.78 

26.73 

40 

181.98 

85.76 

54-77 

40.2I 

32.35 

27.92 

4i 

230.62 

96.52 

59-38 

42.80 

34.05 

29.19 

42 

311.77 

109.98 

64.71 

45-68 

35-92 

30.57 

43 

474-17 

127.33 

70.95 

48.92 

37.96 

32.06 

44 

961.54 

150.49 

78.34 

52   56 

40.21 

33-67 

4§ 

182.92 

87.21 

56.70 

42.68 

35-42 

46 

231.60 

98.05 

61.43 

45.41 

37-31 

8 

312.71 

in. 61 

66.87 

48.44 

39-35 

474.93 

129.02 

73.22 

51.81 

41.58 

49 

961.54 

152.21 

80.70 

55-59 

44.00 

50 

184.66 

89.66 

59-86 

46.65 

5i 

233.29 

IOO.59 

64.72 

49-57 

52 

314.27 

II4.I9 

70.29 

52.78 

S3 

476.16 

131.66 

76.76 

56.35 

54 

961.54 

154.89 

84-37 

60.33 

55 

187.34 

93-45 

64.80 

56 

235.90 

104.48 

6987 

57 

316.68 

118.20 

75-65 

58 

478.02 

135-75 

82.34 

59 

961.54 

159.04 

90.17 

60 

191.49 

99  47     j 

61 

239.97 

110.72     J 

62 

320.46 

124.64 

1       63 

480.98 

142.35 

64 

961.54 

165.73 

65 

198.19 

66 

246.49    , 

67 

326.47 

68 

485.63 

69 

961.54 

Comb.4% 


NetPrems 


376 

Principles 

AND 

Practice 

Table  No. 

. „ 

2XXX.— Concluded.                                       J 

NET  ANNUAL  PREMIUMS  PER  $1000.  COMBINED 

EXPERIENCE, 

FOUR  PER  CENT, 

AS  STATED  BELOW. 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

Endow- 

ment, 

ment, 

ment, 

ment, 

ment, 

ment, 

ment, 

ment, 

Death 

Death 

Death 

Death 

Death 

Death 

Death 

Death 

Age. 

or  35 

or  40, 

or  45 

or  50 

or  55 

or60 

or  65 

or70 

bv  IO 

by  IO 

Pay- 

by lO 

by  IO 

Pay- 

by IO 

Pay- 

by IO 

Pay- 

by IO 

Pay. 

by  IO 

Pay- 

Pay- 

Pay- 

ments. 

ments. 

ments. 

ments. 

ments. 

ments. 

ments. 

ments. 

20 

70.47 

59.96 

51.74 

45.38 

40.53 

36.94 

34.38 

32.68 

21 

72.96 

61.94 

53-33 

46.66 

41.58 

37.82 

35-H 

33-35 

22 

75-57 

64.OI 

54-99 

4S.OO 

42.68 

38.73 

35-92 

34  04 

23 

78.30 

66.18 

56.72 

49.40 

43.82 

39-68 

36.73 

34-77 

24 

8I.I5 

68.46 

58.54 

50.86 

45.OO 

40.67 

37.58 

35-52 

u 

84.15 

70.84 

60.44 

52.38 

46.25 

41.70 

38.46 

36.30 

73.33 

62.42 

53-97 

47-54 

42.77 

39-37 

37.11 

% 

75-94 

64.50 

55-64 

48.89 

43-88 

40.32 

37-95 

78.67 

66.67 

57-37 

50.29 

45-04 

4i.3i 

38.81 

29 

81.5? 

68.94 

59-19 

51.76 

46.25 

42.33 

39-72 

30 

84.54 

71.32 

61.09 

53-29 

47-51 

43.40 

40.65 

31 

73.8i 

63.07 

54-89 

48.82 

44.50 

41.62 

32 

76.43 

65.15 

56.56 

50.19 

45.66 

42.63 

33 

79.16 

67.32 

58.30 

51.61 

46.85 

43-68 

34 

82.03 

69.59 

60.12 

53-09 

48.09 

44.76 

9 

85.03 

71.97 

62.02 

54-64 

49-39 

45.89 

74.46 

64.01 

56.25 

5o.74 

47.06 

11 

77.08 

66.09 

57-94 

52.14 

48.27 

79-83 

68.27 

59-71 

53-6i 

49-54 

39 

82.72 

70.57 

61.56 

55.14 

50.86 

40 

85.76 

72.98 

63-50 

56.75 

52.25 

4i 

75.52 

65-54 

58.44 

53-70 

42 

78.20 

67.69 

60.21 

55-22 

43 

81.04 

69.96 

62.08 

56.82 

44 

84.04 

72.36 

64.04 

58.49 

45 

87.21 

74.87 

66.10 

60.24 

46 

77-53 

68.26 

62.08 

47 

80.33 

70.52 

63-99 

48 

83.27 

72.90 

65.98 

49 

86.37 

75.38 

68.05 

50 

89.66 

78.00 

70.23 

5i 

80.76 

72.50 

52 

83.66 

74.87 

53 

86.73 

77.38 

54 

89.99 

80.01 

3 

93-45 

82.78 
85.71 

9 

88.82 

92.13 

59 

95.68 

60 

I 

99-47 

... 

S.P.End. 


Comb.4% 


Of  Life  Insurance. 

377 

Table  No.  CXXXL 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

Inl 

In  2 

In  3 

In  4 

In  5 

In  6            In  7 

In  8 

Age. 

Year. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

961.54 

924.83 

889.79 

856.34 

824.43 

793.98 

764.93 

737.22 

21 

961.54 

924.83 

889.79 

856.36 

824.46 

794.03 

765.OO 

737-30 

22 

961.54 

924.83 

889.80 

856.38 

824.50 

794.08 

765.06 

737-39 

23 

961.54 

924.84 

889.82 

856.40 

824.53 

794-13 

765.I3 

737-4S 

24 

961.54 

924.84 

889.83 

856.43 

824.57 

794.18 

765.21 

737.58 

25 

961.54 

924.84 

889.84 

856.45 

824.60 

794.24 

765.29 

737.69 

26 

961.54 

924.85 

889.85 

856.47 

824.65 

794.30 

765.37 

737.80 

27 

961.54 

924-85 

889.86 

856.5O 

824.69 

794.36 

765.46 

737.92 

28 

961.54 

924.86 

889.88 

856.53 

824.74 

794-43 

765.56 

738.04 

29 

961.54 

924.86 

889.89 

856.56 

824.79 

794.51 

765.66 

738.18 

30 

96I.54 

924.87 

889.91 

856.59 

824.84 

794-59 

765.77 

738.32 

31 

96l-54 

924.87 

889.93 

856.62 

824.89 

794.67 

765.88 

738.46 

32 

96l-54 

924.88 

889.94 

856.66 

824.95 

794-75 

766.OO 

738.62 

33 

961.54 

924.89 

889.96 

856.70 

825.OI 

794.84 

766.12 

738.78 

34 

961.54 

924.89 

889.98 

856.73 

825.08 

794-93 

76t).25 

738.95 

35 

961.54 

924.90 

89O.OO 

856.78 

825.14 

795-03 

766.38 

739- 13 

36 

961.54 

924.91 

890.03 

856.82 

825.21 

795.13 

766.52 

739-31 

37 

961.54 

924.9I 

890.05 

856.86 

825.28 

795.24 

766.67 

739-51 

38 

961.54 

924.92 

89O.07 

856.91 

825.36 

795-35 

766.83 

739.72 

39 

961.54 

924-93 

89O.IO 

856.96 

825.44 

795-47 

767.OO 

739-95 

40 

961.54 

'924.94 

890.12 

857.OI 

825.52 

795.61 

767.I9 

740.22 

4i 

961.54 

924-95 

890.15 

857.06 

825.63 

795.76 

767.42 

740.53 

42 

961.54 

924.96 

89O.18 

857.13 

825.74 

795-95 

767.69 

740.90 

43 

961.54 

924.97 

890.22 

857-22 

825.89 

796.18 

768.OI 

74L34 

44 

961.54 

924.99 

890.27 

857-32 

826.07 

796.44 

768.39 

741.84 

45 

961.54 

925.OI 

890.33 

857-44 

826.27 

796.74 

768.81 

742.40 

46 

961.54 

925-03 

89O.4O 

857.58 

826.50 

797.o8 

769.28 

743.03 

47 

961.54 

925.06 

890.48 

857.73 

826.74 

797-45 

769.79 

743-70 

48 

961.54 

925.08 

890.56 

857.89 

827.OI 

797.85 

770.35 

744.44 

49 

961.54 

925.II 

890.65 

858.07 

827.30 

798.28 

770.95 

745.24 

5o 

961.54 

925.15 

890.74 

858.26 

827.62 

798.76 

771.61 

746.10 

5i 

961.54 

925.18 

890.85 

858.47 

827.97 

799.27 

772.32 

747-04 

52 

961.54 

925.22 

890.96 

858.70 

828.34 

799-83 

773.09 

748.06 

53 

961.54 

925.26 

89I.O9 

858.94 

828.75 

800.43 

773.92 

749-15 

54 

961.54 

925.31 

891.22 

859-21 

829.19 

801.08 

774.82 

750.33 

55 

961.54 

925.36 

891.37 

859-50 

829.66 

801.78 

775-79 

751.61 

56 

961.54 

925.4I 

89L53 

859.81 

830.18 

802.55 

776.84 

753-oo 

57 

961.54 

925.47 

89I.7O 

860.15 

830.73 

803.37 

777.98 

754-5Q 

58 

961.54 

925.53 

891.89 

860.52 

831.34 

804.27 

779.23 

756.13 

59 

961.54 

925.60 

892.09 

860.93 

832.OI 

805.26 

780.58 

757-91 

60 

961.54 

925.68 

892.32 

861.37 

832.74 

806.34 

782.07 

759.84 

6! 

961.54 

925.76 

892.57 

861.86 

833-54 

807.51 

783.67 

761.93 

62 

961.54 

925.85 

892.84 

862.39 

834.41 

808.78 

785.4I 

764.18 

63 

961.54 

925.96 

893.14 

862.97 

835-35 

810.16 

787.28 

766.60 

64 

961.54 

926.07 

893.46 

863.60 

836.37 

811.64 

789.30 

769.20 

65 

961.54 

926.19 

893.81 

864.29 

837.47 

813.24 

79I.46 

771.98 

66 

961.54 

926.32 

894.19 

865.02 

838.66 

814.96 

793-77 

774-93 

67 

961.54 

926.46 

894.61 

865.82 

839-94 

816.79 

796.23 

778.08 

68 

961.54 

926.61 

895-05 

866.67 

841  29 

818.75 

798.84 

781.39 

69 

961.54 

926.78 

895-53 

867.58 

842.75 

820.83 

80I.62 

784.91 

70 

961.54 

926.96 

896.04 

868.56 

844.31      823. co 

804.56 

788.62 

Comb.4% 


S.P.End 


378 

Principles  ani 

>   Practice 

Table  No.  CXXXL— Continued. 

SINGLE  PREMIUMS  PER   $1000  ENDOWMENT    INSURANCE, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 

Age. 

In  9 

In  IO 

In  11 

In  13 

an  1  3 

In  1-1 

In  15 

In  16 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

Years. 

20 

7IO  79 

685.58 

661.54 

638.62 

616.77 

595  94 

576C9 

557.19 

21 

710.89 

685.71 

661.69 

638.80 

616.99 

596.19 

576.38 

557.51 

22 

71I.OO 

635.85 

661.86 

639.OO 

617.22 

596.46 

576.69 

557-86 

23 

711.12 

685.99 

662.04 

639.21 

617.47 

596.75 

577-02 

558.23 

24 

711.25 

686  15 

662.23 

63944 

61773 

597  05 

577.36 

558.62 

25 

7H.38 

686.31 

662.43 

639  67 

618.OO 

597-37 

577.72 

559-03 

26 

711.52 

686.49 

662.64 

639.93 

618.30 

597.71 

578.II 

559-46 

27 

7H.67 

686.67 

662.86 

640.  J  9 

6l8.6l 

598.06 

578.51 

55992 

26 

7H.83 

686.87 

663.IO 

640.47 

618.93 

598  44 

^78.94 

560.40 

29 

712.00 

687.08 

663.35 

640.77 

619.28 

598.83 

579-39 

560  90 

30 

7I2.I8 

687.30 

663.62 

641.08 

619.64 

599-25 

579  86 

561.44 

31 

712.37 

687.53 

663.89 

641.40 

620.02 

599  69 

580.36 

562.OI 

32 

712.56 

687  77 

664.18 

641.75 

620  42 

600  15 

580.90 

562.63 

33 

712.77 

6S8.02 

664.48 

642.IO 

620.84 

600.64 

581.47 

563-29 

34 

712.98 

688.28 

664.80 

642.48 

621.29 

601.17 

582.09 

564.OO 

35 

713.20 

688  56 

665.14 

642.89 

621.78 

601.75 

582.77 

564  79 

36 

713-44 

688.85 

665.50 

643.34 

622.31 

602.39 

583.51 

565.66 

37 

713.69 

689  17 

665.90 

643.83 

622.90 

603.09 

584.34 

566  62 

38 

713-97 

689.53 

666.35 

644.38 

623.57 

603  88 

585  26 

567.69 

39 

714.28 

689.93 

666.85 

644.99 

624.31 

604.76 

586.30 

568.89 

40 

714.64 

690.39 

667.42 

645.69 

625.15 

605.76 

58746 

570.23 

4i 

7I5.05 

690.92 

668.08 

646.49 

626.II 

606.89 

588.78 

571-74 

42 

715-54 

691  53 

668.84 

647.41 

627.21 

608.17 

590.26 

573-44 

43 

716.IO 

092.24 

669.71 

648.46 

628.45 

609.62 

591-93 

575-34 

44 

716.74 

693  05 

670.70 

649.64 

629  84 

611.23 

593-79 

577-46 

45 

717.46 

693-95 

67109 

650.95 

63L37 

613.01 

595-83 

579-77 

46 

718.26 

694.94 

672.99 

652.38 

633.05 

614.96 

598  05 

582  28 

47 

719.13 

696.01 

674.30 

653  93 

634  87 

61705 

600.45 

585-00 

48 

720.07 

697.17 

675-71 

65561 

636  83 

619.32 

603.03 

587-92 

49 

72I.08 

698.43 

677.23 

657.41 

638.94 

621.76 

605.82 

591.07 

50 

722.19 

699.80 

678.88 

659-37 

64I.23 

624.39 

60S.82 

594-45 

51 

723  33 

701.27 

680.65 

661.48 

643  69 

627.23 

612.05 

598.10 

52 

724.67 

702.86 

682.57 

663.75 

646.34 

630.28 

615.52 

602.01 

53 

726.06 

704.58 

684.64 

666.21 

649.20 

633- 57 

619.26 

606.20 

54 

727.56 

706.42 

636.88 

668.85 

652.27 

637.10 

623.25 

610.69 

55 

729.18 

708.43 

689.29 

671.69 

655.58 

640. 89 

627.55 

615.49 

56 

730.94 

710.59 

691  89 

674.76 

659.14 

644.96 

632.14 

620.61 

11 

732.83 

712.92 

694.69 

678.06 

662.96 

649.31 

637.04 

626.07 

734-9° 

7i5  46 

697.72 

681.62 

667.07 

653-99 

642.29 

631.89 

59 

737- 14 

718.20 

7„i. 00 

685.45 

671.48 

658.98 

647.88 

638.07 

60 

739-57 

721.16 

704  52 

689.57 

676.I9 

664.31 

653-82 

644.62 

61 

742.19 

724.34 

708.30 

693  96 

681.21 

669.96 

660.10 

65'-52 

62 

745-oo 

727.76 

712.33 

698.63 

686.54 

675-93 

666.71 

658.76 

63 

748.02 

73L39 

716.63 

703- 59 

692.16 

682.22 

673-65 

666.33 

64 

75L24 

735.27 

721.18 

708.83 

698.O9 

688.82 

680.91 

674.21 

65 

754-67 

739-39 

72599 

714-35 

704.30 

695.72 

688.46 

66 

758.31 

743-74 

731  07 

720  14 

710.80 

702.91 

67 

762.16 

748.33 

736.39 

726.2  > 

717.58 

68 

766.22 

753.14 

741.96 

732.51 

69 

770.50 

75819 

747.78 

70 

775-00 

76348 

S.P.End. 


Comb.4% 


Of  Lifk  Insurance 


379 


Table  No.  CXXXL— Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 


Age. 


20 
21 
22 

23 

24 

25 
26 
27 
28 
29 

30 
31 
32 

33 

34 

U 

37 
38 
39 
40 

4i 

42 

43 
44 

46 

4Z 
48 

49 
50 
5i 
52 
53 
54 

5I 
56 

57 

58 

59 

60 

61 

62 

63 


In  17 

Years. 


539-!7 
539-54 
539-93 
540.34 
540.78 

54L23 
54L72 
542.23 
542.77 
543-34 
543-95 
544-59 
545.29 
546.05 
546.87 
547.78 
548.78 
549-88 
55i.ii 
552.48 
554-02 

555-74 
557-66 
559-82 
562.19 

564.79 
567.62 
570.66 
573-94 
577.46 
581.25 
585.32 
589.68 
594-34 
599-33 
604.65 
610.31 
616.32 
622.72 
629.48 
636.63 
644.13 

651.97 
660. 14 


In  18 

Years. 


In  19 

Years. 


In  SO 

Years. 


522.02 

522.43 
522.86 
523-32 
523.80 

524-3I 

524.84 

525-4I 
526.01 
526.65 

527.34 
528.07 
528.87 
529.73 
530.67 
53L70 
532.84 
534- 10 
535-50 
537-05 

538.79 
540.73 
542.90 
545.31 
547-97 
550.87 
554-OI 
557.40 
561.05 
564.96 
569.16 
573.67 
578.49 
583.63 
589-11 
594-95 
601.15 
607.72 
614.67 
622.01 
629.73 
637.81 
646.22 


505.68 
506.13 
506.61 
507.12 
507.65 
508.21 
508.80 

509.43 
510.10 
510.82 

511.58 
512.41 

513-31 
514-28 

515-34 
516.51 
5i7-8o 

519-23 
520.81 
522.56 

524.51 

526.68 
529.10 
531.78 
534-73 
537-94 
54L43 
545-17 
549-20 
553-51 

558.14 
563.08 

568.37 
574.oo 
579-98 
586.34 
593-Q7 
600.17 
607.68 
615.57 
623.84 
632.46 


490.13 
490.62 

491.15 
491.70 
492.29 
492.90 
493.56 
494.25 
495.00 

495-79 
496.65 
497-58 
498.59 
499.68 
500.88 
502.19 
503.64 
505.24 
507.01 
508.97 

511. 14 
513.55 
516.23 
519.20 
522.45 

525.99 

529.82 

533-93 
538.34 
543-07 
548.12 
553-52 
559-27 
565.38 
571.87 
578.73 
585.98 
593-6i 
601.65 
610.06 
618.86 


In  21 

Years. 


475-33 
475-87 
476.44 
477.05 
477-68 
478.36 
479.08 

479-85 
480.67 
481.56 
482.51 
483.55 
484.67 

485.89 
487.23 
488.70 
490.32 
492.10 
494.07 
496.24 

498.65 

501.31 
504.26 
507.52 
511.09 
514.96 
5I9.I5 
523-64 
528.45 

533-59 
539.07 
544-92 
551.14 
557-73 
564.70 
572.07 
579-82 
587.96 
596.49 
605.41 


In  22 
Years. 


461.24 
461.83 
462.45 
463.II 
463-8I 
464.54 

465.34 
466.18 
467.09 
468.07 
469.I3 
470.28 

47L53 
472.89 
474-38 
476.OI 
477.80 
479-78 
481.95 
484-35 
487.OO 
489.93 
493.16 
496.72 
500.61 
504.83 
509.38 
514.25 
519.46 
525.02 

530.94 
537-24 
543.91 
550.98 

558.42 
566.27 

574-51 
583.13 
592.13 


In  23 

Years. 


447.84 
448.48 

449-15 
449.87 
450.62 
451-43 
452.30 
453-23 
454-23 
455-31 
456.48 
457-75 
459-13 
460.64 
462.29 
464.09 
466.07 
468.24 
470.63 
473.27 

476.17 
479.36 
482.89 
486.76 
490.98 

495-55 
500.47 
505.72 
511-34 
5I7.3I 
523.66 
530.40 
537-53 
545  05 
552  96 
561.27 
569.97 
579.04 


In  24 
Years. 


435-09 
435.78 
436.51 
437.29 
438.II 
438.99 

439-94 
440.96 
442.06 
443-25 
444-54 
445-94 
447.46 
449.12 
450.93 
452.91 
455.o8 
457-46 
460.08 
462.96 
466.11 

469-59 
473-42 
477.60 
482.16 
487.08 
492.38 
498.02 
504.03 
510.42 

517.20 
524.37 
53L94 
539.90 
548.26 
557.oo 
566.13 


Comb.4% 


S.P.End 


38o 


Principles  and   Practice 


Table  No.  CXXXL— Continued. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 


Age. 


20 
21 
22 

23 

24 

25 
26 
27 
28 
29 

30 
31 
32 

33 

34 

38 

37 
38 
39 
40 

4i 
42 

43 
41 

i* 
$1 

49 
50 
Si 
52 
53 
54 
55 


In  25 

Years. 


422.98 
423-72 
424-5I 
425-35 
426.25 
427  2r 
428.24 
429-35 
430.56 
431.86 

433-27 
434  81 
436.48 
438  29 
440.28 

442.45 
444.82 
447  42 
450.26 
453-39 
456.82 
460  58 
464.71 
469.22 
474.12 
479.40 
485.06 
491.09 
497.50 
504-30 

511-49 
51909 
527.08 
535.40 
544-23 
553.39 


In  26 
Years. 


411.46 
412.26 
413.II 
414.02 
415.OO 
416  04 
417.17 
418.38 
4I9.70 
421.12 

422.66 

424.34 
426.16 
428.14 
430.30 
432.67 
435.25 
438.07 
441.16 
444  54 
448.24 
452.30 
456.73 
461.57 
466.82 

472.45 
478.49 
484.90 
49r.70 
498.90 

506.49 

5I4.49 

522.88 

531-67 
540.83 


In  27 

Years. 


400  53 

401.39 
402.31 

403.29 
404.34 
405  48 
406.70 
408.02 

409.45 
4II.OO 

412.68 
414.50 
416.49 
418  64 
420.99 

423-55 
426.34 

429.39 
432.73 
436.37 
440.36 
444  71 
449.46 

454.63 
460.21 
466.21 
472.61 

479-39 
486.58 
494.16 
502.14 
5io.53 
5i9-3o 
528.46 


In  28 
Years. 


39°.  1 5 
39I.07 
392.06 

393-13 
394.26 

395-49 
396.82 

398-25 
399-8o 
401.48 

403-30 
405 .  28 
407.43 
409.76 
412.30 

415-07 

418.08 

421.37 
424.96 

428,87 

433.14 

437-79 
442.86 

448.35 
454.28 
460.62 
467.38 
474-54 
482.09 
490.04 

498.39 
507.14 
516.27 


In  29 

Years. 


380.30 
381.29 
382.36 
383.51 
384.74 
386.06 
387.50 
389.04 
390,72 
392-54 

394-51 
396.65 
398.97 
40I.48 
404.22 
407.20 
4IO44 

413.97 
4I7-82 
422.00 

426.55 
43L5I 
436.89 

442.71 
448.97 
455-66 
462.77 
470.28 
478.18 
486.49 

495-19 

504-27 


In  30 
Years. 


370.97 
372.04 
373-18 
374.41 
375-74 
377.17 
378.71 
380.39 
382.20 
384.15 
386.28 
388.58 
391.08 
393-78 
396.72 
399.92 
403-39 
407.17 
411.28 

415.73 
420  58 
425.83 
431.52 
437-67 
444.26 
451-28 

45^-73 
466.57 
474.82 
483.45 
492.48 


In  31 

Years. 


362.13 
363.27 
364.50 
365.83 
367.25 
368.79 
370.45 
372.25 
374.20 
376.30 

378.59 
381.06 

383.74 
386.64 

389.79 
393-21 
396.92 
400.94 

405.3I 
4IO.O4 

4T5.I7 
420  73 
426.72 
433.18 
440.  IO 

447-44 
455.21 
463.38 
471.94 

480.88 


In  32 
Years. 


353-77 
354-99 
356.31 
357-73 
359.26 
360.91 
362.69 
364.62 
366.71 
368.97 

37I.4I 
374.06 

376.93 
380.03 

383-39 
387.04 

390.98 
395-26 
399.89 
404.90 
410.31 
416  16 
422.46 
42923 
436.45 
444. 10 
452.18 
460.65 
469.51 


S.P.End. 


Comb.4% 


Op  Life   Insurance. 


381 


Table  No.  CXXXI— Continued. 

SINGLE  PREMIUMS  PER  fiooo  ENDOWMENT  INSURANCE, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 


Age. 


20 
21 
22 

23 

24 

26 
27 
28 
29 

30 
31 
32 

33 

34 

36 

H 
38 

39 

40 

41 
42 

43 
44 

46 
47 


In  33 

Years. 


345-86 
347-17 
348.58 
35Q-IO 
351-74 
353-51 
355-42 
357-48 
359-72 
362.13 

364.74 
367.57 
370.63 
373-93 
377-51 
381.38 
385.57 
390.10 
395-oo 
400.28 

405-97 
412.10 
418.70 
425.76 

433-27 
441.22 

449-59 

458.34 


In  34 
Years. 


338-39 

339-79 
34I-30 
342-93 
344.68 
346.56 
348.61 
350.81 
353.19 
355.77 

358.55 
361.56 
364.82 
368.33 
372.13 
376.23 
380.66 

385-44 
390.60 
396.14 
402.11 
408.52 
415.40 
422.74 
430.54 
438.76 
447.40 


Tn35 
Years. 


331-35 

332.85 

334-45 
336.18 
338.05 
340.06 
342.24 
344-59 
347-13 
349-87 
352.83 
356.02 
359-48 
363.20 
367.22 

371-55 
376.22 
381.25 
386.66 
392.47 
398.70 
405-38 
412.53 
420.14 
428.20 
436.68 


In  36 

Years. 


324.72 
32.6.31 
328.02 
329.86 
331.85 

333-99 
336.31 
338.8o 
34I.50 
344-41 
347-55 
350.93 
354-58 
358.52 
362.76 
367.32 
372.23 
377-50 
383.16 
389-23 

395.72 
402.66 
410.05 
417.92 
426.22 


In  37 
Years. 


318.48 
320.17 
321  99 
3*3-95 
326.05 

328.33 
330.79 
333-43 
336.29 

339-37 
342.69 
346.27 
350.12 
354-27 
358.73 
363- 52 
368.66 

374-17 
380.07 

386.39 
393-12 
400. 30 
407.94 
416.04 


In  38 

Years. 


312.62 
314.41 
316.34 
318.42 
320.65 
323.06 
325.66 
328.47 
33L49 
334-74 
338.25 
342.02 
346.07 
350.43 
355-IO 
360.12 
365.49 
37L23 
377.37 
383.91 
39O.88 
398.29 
406.15 


In  39 

Years. 


307.12 
309.02 
3H.06 
313.26 
315.63 
318.18 
320.93 

323.89 
327.07 
330.50 

334.19 
338.16 
342.41 
346.98 
351.86 
357-IO 
362.69 
368.65 
375-OI 
381.78 
388.97 
396.59 


In  40 
Years. 


3OI.98 
303-98 
306. 14 
308.46 
310.96 
313.66 
316.56 
319.67 
323.03 
326.64 

330.5I 
334.67 

339-12 
343.89 
348.98 
354-43 
360.23 
366.41 
372.99 
379-96 

387.35 


Comb.4% 


S.P.End 


382 


Principles  and   Practice 


Table  No.  CXXXL— Concluded. 

SINGLE  PREMIUMS  PER  $1000  ENDOWMENT  INSURANCE, 

COMBINED  EXPERIENCE.  FOUR  PER  CENT, 

PAYABLE  AS  STATED. 


Age. 


20 
21 
22 

23 

24 
25 
26 
27 
28 
29 

30 
31 
32 

33 

34 

3 

37 
38 
39 


In4t 
Years. 


297.17 
299.29 
301.56 
304.02 
306.65 
309.49 

312.54 
315.82 

3I9-34 
323-I3 
327.I9 

33L53 
336.18 

341.14 
346.44 
352.09 
358.IO 
364.48 
37L25 
378.42 


In  43 
Years. 


292.69 
2Q492 
297.32 
299  90 
302.67 
305.65 
308.86 
3I2.30 
316.OO 
319.96 
324.I9 
328.73 

333-57 
338.72 
344.22 
350.06 
356.26 
362.83 
369.79 


In  43 
Years. 


288.52 
290.87 

293- 39 
296.10 
299  02 
J02.14 

305.51 
309.11 
312.97 
317-10 

321.52 
326.23 
331.26 
336.60 
342.28 
348.31 
354.69 
361.43 


In  44 
Years. 


284.65 
287.12 

289.77 
292.61 

295.67 
298.94 
302.46 
306.22 
3IO.25 
3M.55 

3I9.I4 
324.03 
329.23 

334-75 
340  61 
346.81 
353.36 


In  45 
Years. 


281.07 
283.66 
286.44 
289.42 
292.61 
296.04 
299.71 
303  63 
307.82 
312.29 

3I7.05 
322.IO 
327-47 
333.16 
339-18 
345.54 


In  46 

Years. 


277.77 
280.48 

283.39 
286.50 
289.84 

293.41 
297.23 
30I.3I 
305.66 
310.29 

315-21 
320.43 
325.96 

33f.8o 
337-97 


In  47 
Years. 


274.74 

277-57 
280.61 
283.86 

287.33 
291.05 
295.02 
299.25 
303.75 
308.53 
3i3-6i 
318.98 
324.66 
330.65 


In  48 
Years. 


271.96 
274.92 
278.08 
281.47 
285.08 
288.94 
29305 
297-43 
302.08 
307.OI 
312.23 
317.75 
323.56 


O.L. 


Comb.4% 


Of  Life-  lis 

rSURAN 

:e. 

383 

Table  No.  CXXXII. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH.     COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.22 

12.66 

I9.3I 

26.I9 

33-30 

40.64 

48.23 

56.07 

21 

6.47 

13.17 

20.09 

27.24 

34.64 

42.27 

50.I6 

58.31 

22 

6.74 

13.71 

20.90 

28.34 

36.03 

43-97 

52.17 

60.64 

23 

7.OI 

14.26 

21-75 

29.49 

37.48 

45-74 

54.26 

63.07 

24 

7.30 

14.84 

22.64 

30.69 

39.OO 

47-59 

56.45 

65.60 

2i 

7.60 

15-45 

23-56 

31.94 

40.58 

49-51 

58-73 

68.24 

26 

7.9I 

16.08 

24.52 

33.24 

42.23 

5I.52 

6l. II 

7I.OO 

27 

8.24 

16.75 

25.53 

34-60 

43.96 

53.62 

63.59 

73.89 

28 

8.58 

17-43 

26.58 

36.02 

45.76 

55.8i 

66.20 

76.92 

29 

8-93 

18.16 

27.68 

37-50 

47.64 

58.12 

68.93 

80.09 

30 

9-31 

18.91 

28.83 

39.06 

49-63 

60.54 

7I.8o 

83.45 

31 

9.70 

19.70 

30.03 

40.70 

51.71 

63.08 

74.84 

86.98 

32 

10.10 

20.54 

3I.3I 

42.43 

53.91 

65.78 

78.04 

90.72 

33 

10.54 

21.42 

32.65 

44-25 

56.25 

68.63 

81.43 

94.67 

34 

11.00 

22.35 

34.07 

46.20 

58.71 

71.65 

85.03 

98.86 

3§ 

11.48 

23.34 

35.59 

48.25 

61.34 

74.86 

88.84 

103.29 

36 

11.99 

24-39 

37.19 

50.43 

64.II 

78.26 

92.87 

107.92 

37 

12.55 

25.51 

38.90 

52.75 

67.08 

81.87 

97.09 

112. 71 

38 

13.12 

26.69 

40.72 

55-22 

70.20 

85.62 

IOI.43 

117. 6l 

39 

13.74 

27.96 

42.65 

57.83 

73.46 

89.48 

IO5.88 

122.59 

40 

14.41 

29.31 

44.70 

60.55 

76.79 

93.42 

IIO.36 

127.60 

41 

15.12 

30.73 

46.81 

63.29 

80.16 

97-35 

114.85 

132.64 

42 

15.85 

32.18 

48.9I 

66.04 

83.49 

101.26 

II9.32 

137.69 

43 

16.58 

33-59 

5I.OO 

68.73 

86.78 

105.13 

123.80 

142.74 

44 

17.30 

34-99 

53-02 

71.38 

9O.04 

109.02 

128.28 

I47.80 

4I 

18.01 

36.36 

55.04 

74.03 

93-34 

112.94 

132.80 

152.9I 

46 

18.69 

37.71 

57.05 

76.72 

96.67 

116.90 

137.38 

158.08 

47 

19.39 

39.10 

59-14 

79.47 

IOO.O9 

120.95 

142.05 

163.37 

48 

20.10 

40.54 

61.28 

82.30 

I03.57 

125.09 

146.83 

168.78 

49 

20.86 

42.02 

6347 

85.19 

IO7.14 

129.34 

I5L73 

174.30 

50 

21.62 

43.52 

65.70 

88.13 

IIO.79 

133.66 

156.72 

179-95 

51 

22.39 

45.o6 

67.98 

91.14 

II4.52 

138.09 

161.84 

185.74 

52 

23.19 

46.63 

70.33 

94.24 

H8.34 

142.64 

167.09 

191.66 

53 

24.00 

48.26 

72.74 

97.42 

122.29 

147.32 

172.47 

197.66 

54 

24.85 

49.94 

75-22 

100.70 

126.35 

152.12 

177.93 

203.75 

55 

25.72 

51.65 

77.78 

104.08 

I30.5I 

156.98 

183.46 

209.87 

56 

26.61 

53-43 

80.42 

107.55 

134.72 

161.90 

189.OI 

216.02 

57 

27.56 

55.29 

83.15 

III. 07 

138.99 

166.84 

194.59 

222.18 

58 

28.52 

57.18 

85.88 

114.59 

143-23 

171.77 

200. 14 

228.28 

59 

29.50 

59-05 

88.60 

118.08 

147.46 

176.66 

205.63 

234.30 

60 

3o.45 

60.90 

91.28 

121.54 

151.63 

181.49 

2II.02 

240.21 

61 

31.41 

62.74 

93.96 

124.99 

155.78 

186.25 

216.35 

246.06 

62 

32.35 

64.58 

96.62 

128.41 

159.86 

190.94 

22I.6I 

251.86 

P 

33.31 

66.41 

99.27 

131.77 

163.89 

195-59 

226.85 

257.60 

6S 

34.25 

68.23 

IOI.86 

135.09 

167.87 

200.21 

232.02 

263.29 

65 

35-19 

70.01 

IO4.41 

138.37 

171.84 

204.79 

237.17 

268.95 

Comb.4* 


O.L 


384 

Principles  and  Practice 

Table  No 

.  CXXXIL— Continued. 

TERMINAL  NET  VALUES   PER  $1000 

OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH.     COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 
20 

9th 

10th 

llth 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

64.17 

72.53 

8l.l6 

9O.07 

99.26 

I08.75 

H8.56 

128.68 

21 

66.72 

75-41 

84.37 

93.62 

IO3.17 

II3-04 

123.22 

133-73 

22 

69.38 

78.41 

87.72 

97-33 

IO7.26 

117.51 

128.09 

I39-03 

23 

72.15 

81.53 

9I.20 

I0I.20 

III. 52 

122.17 

133.19 

144.56 

24 

75.04 

84.78 

94-85 

IO5.24 

H5-97 

127.07 

138.52 

150.36 

u 

78.06 

88.20 

98.67 

IO9.47 

120.65 

I32.I9 

144.12 

156.45 

81.22 

91.76 

IO2.65 

II3.92 

125.54 

137.56 

149-99 

I62.84 

% 

84.52 

95.50 

IO6.85 

118.57 

130.69 

143.22 

156.17 

169.55   | 

87.98 

99-43 

III. 25 

123.46 

136.10 

149.16 

162.65 

176.53   j 

29 

91.64 

103.56 

115.88 

128.62 

141.80 

I55.40 

169.41 

I83.78   1 

30 

95.48 

107.91 

120.77 

134.06 

147-79 

161.93 

176.42 

I9I-25   | 

31 

99-53 

112.51 

125.93 

139-79 

154.05 

168.68 

183.65 

198.90  I 

32 

103.82 

117-37 

131.36 

145-77 

160.54 

175-66 

191.06 

206.74 

33 

108.36 

122.50 

I37.P5 

151.97 

167.24 

182.80 

198.65 

214.75 

34 

H3.T5 

127.86 

I42.94 

158.38 

174.10 

190. 11 

206.39 

222.94 

3I 

118.16 

I33.4I 

I49.02 

164.92 

181. 11 

197.57 

214.30 

231.28 

36 

123.35 

139-13 

155.22 

171.60 

188.25 

205.18 

222.36 

239.77 

fs 

128.69 

144.97 

161.54 

178.39 

195-53 

212.92 

230.54 

248.38  ! 

134-10 

150.89 

167-95 

185-32 

202.92 

220.76 

238.83 

257.10  i 

39 

139.60 

156.89 

174.47 

192.32 

210.40 

228.71 

247.22 

265.93 

40 

145.14 

162.97 

I81.06 

199.40 

217.96 

236.73 

255.70 

274.85 

41 

150.73 

169.09 

187.69 

206.53 

225.57 

244.82 

264.25 

283.82 

42 

156.33 

175.22 

194-35 

213.68 

233-23 

252.95 

272.83 

292.87 

43 

161.94 

181.37 

201.02 

220.87 

240.92 

261. 11 

281.47 

3OI.96   ! 

44 

167.56 

187.54 

207.73 

228. ii 

248.65 

269.36 

290.19 

311.13   | 

9 

173-24 

193-79 

214-53 

235-43 

256.50 

277.70 

299.01 

320.35    | 

179.02 

200.13 

221.41 

242.86 

264.45 

286.15 

307.89 

329.62 

47 

184.90 

206.59 

228.45 

250.45 

272.56 

294.71 

316.86 

338.96 

48 

190.90 

213.19 

235-63 

258.18 

280.76 

303.35 

325.89 

348.34 

49 

197.06 

219-95 

242.96 

266.01 

289.07 

312.06 

334-98 

357-75 

50 

203.34 

226.84 

250.38 

273.92 

297.41 

320.81 

344-07 

367.16 

5i 

209.76 

233.82 

257.88 

281.89 

305.81 

329-58 

353-18 

376.52 

52 

216.27 

240.88 

265.44 

289.91 

314-23 

338.36 

362.24 

385.83 

53 

222.86 

248.00 

273-05 

297-95 

322.65 

347- 10 

371-25 

395.09 

54 

229.51 

255.18 

280.68 

306.00 

33L04 

355-79 

380.21 

404.29 

55 

236.19 

262.35 

288.31 

313.99 

339-37 

364.42 

389.11 

4I3.4I 

56 

242.87 

269.52 

295.88 

321.93 

347-63 

372.98 

397-92 

422.44 

57 

249-55 

276.63 

303-39 

329.80 

355-84 

381.47 

406.65 

431-37 

58 

256.13 

283.65 

310.81 

337-59 

363-94 

389-84 

415.26 

440.17 

8 

262.63 

290.58 

318.14 

345-27 

371-93 

398-09 

423.74 

448.84 

269.02 

297.42 

325.37 

352.84 

379.80 

406.22 

452.09 

457-38 

61 

275.36 

304.18 

332.51 

360.32 

387.58 

414.26 

440.34 

465.83 

62 

281.62 

310.87 

339-58 

367.72 

395-26 

422.19 

448.51 

474.18 

63 

287.83 

3I7.50 

346.58 

375-Q5 

402.87 

430.07 

456.60 

482.40 

64 

293.98 

324.07 

353-51 

382.30 

410.44 

437.87 

464-57 

490.57 

65 

300.10 

330.59 

360.40 

389-53 

417  94 

445-58 

472.50 

498.73 

j 

O.L. 


Comb.4* 


Op   Life   Insurance. 

385 

Table  No.  CXXXIL— Continued. 

TERMINAL  NET  VALUES   PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANx\UAL  PREMIUMS  TILL 

DEATH.     COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

17th 

18th 

19th 

20th 

21st 

22d 

2:«d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

139.12 

149-93 

161.08 

172.61 

184.54 

I96.87 

209.60 

222.71 

21    |    144.62 

155.83 

167.43 

179-43 

191.84 

204.65 

217.84 

23L37 

22 

150.33 

162.OI 

174  08 

186.57 

199  47 

212.74 

226.36 

240.29 

23 

156.32 

168.48 

181.05 

I94."3 

207.40 

221. II 

235-13 

249-43 

24 

162.61 

175.27 

18834 

20I.80 

215.61 

229.73 

244- 1 3 

25^.78 

2i 

169.20 

182.38 

195-94 

209.84 

224.07 

238.57 

253-33 

268.34 

26 

176.12 

189.78 

203.79 

218.13 

232.74 

247.61 

262.73 

278.11 

2l 

183.32 

I97.44 

2H.89 

226.62 

241.61 

256.86 

272.36 

288.08 

28 

190.78 

205.35 

220.20 

235-31 

250  68 

266.31 

282.17 

298.24 

29 

198.47 

213.45 

228.70 

244  20 

259.96 

275.96 

292.17 

308.58 

30 

206.36 

221.75 

237-39 

253.29 

269.43 

285.79 

302.35 

319-10 

31 

214.44 

230.22 

246.28 

262.57 

279.08 

295.80 

312.70 

329-78 

32 

222.69 

238.90 

255-35 

272.02 

288.90 

305.97 

323.22 

340.63 

33 

231.13 

247-75 

264.59 

281.64 

298.89 

316.31 

333  9° 

351.62 

34 

239-74 

256  76 

273-99 

291.42 

309.03 

326.81 

344.72 

362.78 

35 

248.50 

265.92 

283.54 

301.35 

3I9-32 

337-43 

355.69 

374.06 

36 

257.40 

275.22 

293.23 

311.42 

329- 74 

348.21 

366.79 

385-47 

37 

266.42 

284.66 

303.06 

321.60 

340.30 

359." 

378  or 

396.95 

3* 

275.56 

294.20 

312.98 

33I-91 

350.96 

370.11 

389.29 

408.47  1 

39 

284.82 

3°3  84 

323.03 

342.33 

361.73 

381.17 

400.60 

419.99 ; 

40 

294.14 

313.59 

333  17 

352.84 

372.54 

392-25 

411. 91 

431-50 

4i 

303.56 

32342 

343-37 

363.37 

383-36 

403-31 

423.19 

442.94 

42 

31303 

333-3° 

353  59 

373-90 

394- 15 

414  33 

434-39 

45429 

43 

322.55 

343-18 

363.81 

384.39 

404.89 

425.28 

445.50 

465  51 

44 

332.10 

353-08 

374-OI 

394-86 

415-57 

436.15 

456.50 

476.61 

4I 

341.69 

362.99 

38421 

405  3> 

426.23 

446.93 

467.39 

487.59 

46 

35L3I 

372.92 

394-39 

4I5.7I 

436.79 

457  63 

47819 

498.46 

47 

360.98 

3S2.86 

404.58 

426.07 

447-30 

468.25 

488.91 

509.25 

48 

370/66 

392.81 

414.72 

436.37 

457-74 

478.81 

499-54 

51992 

49 

380.36 

402.72 

424.81 

446.62 

468.12 

489. 28 

510.07 

530.48 

50 

389.99 

412.56 

434.83 

456.79 

47840 

499.64 

520.48 

540.92 

5i 

399-58 

422.34 

444.79 

466.88 

488.58 

509-89 

530.77 

551.21 

52 

409. 1 1 

432.07 

454-66 

476.87 

498.66 

520.02 

540.93 

561.38 

53 

418.59 

441.72 

464.45 

486.76 

508.63 

530.04 

550.96 

571-42 

54 

427.99 

45L28 

474  14 

496.55 

518.48 

539-92 

560.88 

581.31 

55 

437-30 

460.74 

483  72 

506.21 

528.20 

549  69 

57064 

591 04 

56 

446.50 

470.08 

493-17 

515.79 

537.8o 

559-30 

580.24 

600.62 

57 

455  60 

479-31 

502.50 

525.16 

547.26 

568.76 

589.70 

610.10 

58 

464.56 

488.40 

5n.7i 

534-43 

556.54 

578.07 

599-°5 

61955 

59 

473-39 

497-37 

520.76 

543-52 

565.69 

587.28 

608.38 

629 10 

60 

482.10 

506.20 

529-65 

55249 

574-74 

596-48 

617.84 

638.87 

61 

490.69 

514.88 

538.44 

56r.3S 

583-81 

605.83 

627.53 

649.06 

62 

499- J  5 

523-47 

547- 1 6 

57o.3i 

593  05 

615.45 

637.68 

659.74 

P 

5^7-54 

532.02 

555-95 

579-44 

602  60 

625.57 

648.36 

670  Q9 

*4 

515-9° 

540.65 

564.95 

581.90 

6r2  67 

636.25 

659  65 

682  90 

65 

1 

524.36 

549  52 

574-33     598.93 

623  35 

647.58 

671.65 

695.43 

Comb.4* 


O.L 


386 

Principles  and   Practice 

Table  No.  CXXXIL— Continued. 

TERMINAL  NET  VALUES   PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH.     COMBINED  EXPERIENCE, 

FOUR  PER 

CENT 

Age. 

25th 

26th 

27th 

28th 

29th 

30th 

31st 

32d 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

236.15 

249.91 

263.92 

278.19 

292.70 

307.45 

322.42 

337-59 

21 

245.21 

259-31 

273.67 

288.27 

303-11 

3I8.I8 

333-44 

348.90 

22 

254.49 

268.94 

283.63 

298.57 

313.73 

329.IO 

344-66 

360.39 

23 

263.98 

278.77 

293.81 

309.08 

324-55 

340.21 

356.05 

372.05 

24 

273.68 

288.83 

304.20 

319.78 

335-55 

351.50 

367.62 

383.88 

2| 

283.60 

299.08 

314.78 

330.67 

346.73 

362.97 

379-35 

395-87 

26 

293.72 

309.53 

325.54 

34L73 

358.09 

374-60 

39L24 

408.02 

2l 

304.03 

320.16 

336.48 

352.97 

369.62 

386.39 

403-30 

420.31 

28 

3I4-5I 

330.97 

347-59 

364.38 

381.29 

398.34 

4I5-50 

432.74 

29 

325-I3 

341.95 

358.88 

375-94 

393-13 

4IO.44 

427.83 

445-25 

30 

336.02 

353-IO 

370.32 

387.66 

405.13 

422.68 

440.25 

457.83 

31 

347.02 

364.40 

381.91 

399-54 

417-25 

434-99 

452.74 

470.44 

32 

358.17 

375-86 

.  393-66 

411-55 

429.46 

447-38 

465.26 

483.07 

33 

369.49 

387.47 

405.54 

423.64 

441-74 

459-8o 

477-79 

495-63 

34 

380.95 

399.21 

4I7.50 

435-79 

45405 

472.23 

490.31 

508.24 

8 

392.53 

411.02 

429.52 

447.98 

466.36 

484.64 

502.78 

520.72 

404.18 

422.89 

441-57 

460. 16 

478.65 

497.00 

515.15 

533.09 

12 

415.89 

434-79 

453.6i 

472.33 

490.90 

509-27 

527-42 

545-34 

427.60 

446.67 

465.62 

484.43 

503.03 

521.42 

539-56 

557-45 

39 

439-31 

458.51 

477-57 

496.42 

515-05 

533-44 

551.56 

569.40 

40 

450.97 

470.29 

489.40 

508.29 

526.94 

545-32 

563.40 

581.18 

4i 

462.54 

481.94 

501.10 

520.02 

538.67 

557-02 

575.o6 

592.76 

42 

473.98 

493-45 

512.65 

531-59 

550.22 

568.53 

586.51 

604.13 

43 

485.29 

504.80 

524.04 

542.97 

561.58 

579.85 

597-75 

615.27 

44 

496.45 

516.01 

535-27 

554-19 

572.76 

590.97 

608.78 

626.21 

4§ 

507.49 

527-09 

546.35 

565.24 

583.77 

601.90 

619.63 

636.95 

46 

5I8.4I 

538.02 

557.27 

576.13 

594-6o 

612.65 

630.30 

647.50 

47 

529.23 

548.84 

568.06 

586.88 

605.28 

623.26 

640.79 

657.85 

48 

539-92 

559-52 

578.71 

597-47 

615.81 

633.69 

651.08 

668.03 

49 

550.49 

570.07 

589.22 

607.93 

626.17 

643.93 

661.22 

678.06 

50 

560.91 

580.47 

599-58 

618.21 

636.34 

654.00 

671.20 

688.01 

5i 

57L20 

590.73 

609.78 

62S.31 

646.36 

663.94 

681.12 

697.99 

52 

581.36 

600. 84 

619.79 

638.26 

656.24 

673.82 

691.07 

708.08 

53 

59L36 

610.77 

629.67 

648.08 

666.07 

683.74 

701.15 

718.43 

54 

60I.20 

620.56 

639-43 

657.86 

675.96 

693.81 

7ii. 5i 

729.07 

55 

610.89 

630.24 

649.14 

667.70 

686.00 

704.15 

722.16 

740.04 

56 

620.47 

639.88 

65893 

677.71 

696.34 

7I4-83 

733-17 

75I-40 

11 

630.03 

649.61 

668.90 

688.04 

70703 

725.88 

744.60 

763.10 

639.68 

659-52 

679.20 

698.73 

718. 11 

737-37 

756.39 

775-OI 

§9 

649.52 

669. 78 

689.89 

709.84 

729.66 

749.24 

768.40 

787.12 

60 

659.75 

680.46 

701.02 

721.43 

741.62 

761.36 

780.66 

799  30 

61 

670.42 

691.63 

712.69 

733-50 

753.87 

773.76 

793-00 

811.20 

62 

681.63 

703.38 

724.86 

745.89 

766.42 

786.29 

805.07 

822.42 

53 

693.46 

715.66 

737-40 

758.63 

779- !4 

798.56 

816.48 

832.59 

64 

705.86 

728.35 

750.29 

771-53 

791.62 

810.16 

826.83 

840.22 

65 

718.71 

741.44 

763.43 

7S423 

803.42 

820.68 

834-55 

845.29 

O.L. 


Comb.4% 


Of  Life  Insurance. 

387 

Table  No.  CXXXIL— Continued. 

TERMINAL  NET  VALUES   PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY   EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH.     COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

33d 

34th 

35th 

36th 

37th 

38th 

39th 

•HMIi 

Age 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

352.95 

368.48 

384.18 

400.02 

415.98 

432.08 

448.27 

464.55 

21 

364-53 

380.32 

396.26 

412.33 

428.52 

444.83 

461.19 

477.60 

22 

376.28 

392.33 

408.50 

424.80 

441.20 

457.68 

474.19 

490.71 

23 

388.20 

404.48 

420.89 

437-41 

454.00 

470.63 

487.25 

503.84 

24 

400  28 

416.80 

433-43 

450.I5 

466.89 

483.63 

500.34 

516.98 

3 

412.52 

429.27 

446.II 

462.97 

479.84 

496.66 

513.43 

530.09 

424.90 

441.86 

458.86 

475.85 

492  8 1 

509.70 

526.49 

543.16 

27 

437.41 

454-54 

471.67 

488.77 

505.79 

522.72 

530-52 

556.13 

28 

450.OI 

467.28 

484.52 

501.69 

518.75 

535.69 

552.44 

569.OO 

29 

462.67 

480.06 

497-38 

5I4.59 

53I.67 

548.57 

565.27 

581.75 

30 

475-37 

492.83 

5I0.2I 

527.45 

544.50 

561.36 

577.98 

594-38 

31 

488.08 

505.61 

523.0I 

540.23 

557.23 

574  02 

590.57 

606.86 

32 

500.77 

518.35 

535.72 

552.90 

569.85 

586.56 

6J3.OI 

619.17 

33 

513.42 

530.98 

548.34 

565.46 

582  34 

598.96 

615.29 

631.31 

34 

525-99 

543-53 

560.83 

577.90 

594.69 

611.19 

627.39 

643.26 

35 

538.45 

555-95 

573-20 

590.  [8 

606.87 

623.24 

639.30 

655.OI 

36 

550.79 

568.24 

585.42 

602.30 

618.87 

635.II 

651.OO 

666.54 

37 

563.OO 

580.39 

597-47 

614.24 

630.68 

646.78 

662  50 

677.87 

38 

575.05 

592.36 

609.34 

625.99 

642.28 

658.21 

673.78 

688.96 

39 

586.94 

604.14 

621.01 

637.52 

653.66 

669.44 

684.82 

699.79 

40 

598.63 

6i5.73 

632.47 

648.84 

664.83 

680.43 

695.61 

710.39 

4i 

610.11 

627.10 

643.71 

659-93 

675.76 

691.16 

706.I5 

720.76 

42 

621.37 

638.23 

654.7I 

670.78 

686.42 

7OI.64 

716.48 

730.97 

43 

632.40 

649.15 

665.47 

681.36 

696.84 

711. 91 

726  64 

74I.IO 

44 

643-23 

659-83 

675-99 

691.72 

707.05 

722.03 

736.73 

75L23 

4§ 

653.85 

670.29 

686.30 

701.90 

7I7-I3 

732.IO 

746.85 

761.48 

46 

664.24 

680.54 

696.43 

711-95 

727.19 

742.21 

757.11 

771.90 

47 

674.46 

690.65 

706.46 

721.99 

737-30 

752.49 

767.55 

782.51 

48 

684.53 

700.66 

716.50 

732.11 

747-59 

762.96 

778.22 

793.36 

49 

694.52 

710.68 

726.61 

742.42 

75810 

773-66 

789.12 

804.39 

50 

704.52 

720.79 

736.93 

752.94 

768.84 

784.63 

800.23 

8I5.50 

5i 

714.62 

731.12 

747.48 

763.73 

779.87 

795.81 

811.42 

826.67 

52 

724.96 

741.70 

758.32 

774.83 

791.14 

807.IO 

822.69 

837.76 

53 

735-57 

752.58 

769.48 

786.18 

802.52 

818.48 

833.91 

848.52 

54 

746.50 

763.82 

780.92 

797.67 

814.02 

829.83 

844.79 

858.60 

55 

757.8o 

775-34 

792.51 

809.28 

825.49 

840.83 

854.99 

867.73 

56 

769.40 

787.03 

804.24 

820.89 

836.63 

851.17 

864.23 

874.74 

57 

781.21 

798.89 

815.99 

832.17 

847.10 

860.53 

871.31 

879.66 

58 

793-19 

810.77 

827.41 

842.77 

856.57 

867.66 

876.25 

887.71 

59 

805.22 

822.34 

838.15 

852.36 

863.78 

872.62 

884.41 

906.81 

60 

816.94 

833.23 

847.87 

859.64 

86S.75 

880.90 

903.98 

IOOO.OO 

61 

827.99 

843.10 

855-23 

864.63 

877.16 

900.97 

IOOO.OO 

62 

838.01 

850.54 

860.23 

873.22 

897.76 

IOOO.OO 

63 

845.54 

855.56 

868.98 

894.34 

1000.00 

64 

850.59 

864.47 

890.70 

1000.00 

65 

859.61 

886.82 

1000.00 

Comb.4* 


O.L 


388 

Principles   and   Practice 

Table  No.  CXXXIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000 

OF  WHOLE  LIFE 

POLICIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL 

DEATH.     COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

a™      4l8t 

494 

43d 

41th 

45th 

46th 

47th 

4«*th 

AGE. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

480.85 

497.15 

513.42 

529.63 

545-74 

561.72 

577-54 

593.17 

21 

494.OI 

510.37 

526.68 

542.89 

558.98 

574.89 

590.62 

606. 14 

22 

507.I3 

523.60 

539-91 

556.II 

572.12 

587.95 

603.57 

618.98 

23 

520.37 

536.79 

553-09 

569.22 

535.16 

600.88 

616.39 

631.65 

24       533.52 

549-94 

566.18 

532.24 

598.07 

613.68 

629.05 

644.16 

3 

546.63 

562.99 

579-16 

595-n 

610.84 

626.32 

641.54 

656.47 

559-64 

575-93 

592.01 

607.86 

623.46 

638.79 

653.84 

668.59 

3 

572.55 

588.76 

604.74 

620.46 

635-9T 

651.08 

665.94 

680.50 

585.34 

601.45 

617.31 

632.89 

648.18 

663.17 

677.85 

692.19 

29 

598.OO 

614.OO 

629.71 

645.14 

660.26 

675.06 

689.53 

703.67 

30 

610.52 

626.38 

641.94 

657.20 

672.13 

686.74 

701.01 

7I4.9I 

31 

622.87 

638.58 

653-98 

669.05 

683.79 

698.19 

712.24 

725.90 

32 

635.04 

650.59 

665. 81 

680.69 

695.24 

709.42 

723.22 

736.66 

33 

647.02 

662.40 

677-43 

692.13 

706.45 

720.39 

733-97 

747.20 

34 

658.80 

674.OO 

688.85 

703-33 

717.42 

731.14 

744-51 

757.57 

9 

670.37 

635-39 

700.03 

714.27 

728.15 

741.67 

754-87 

767.34 

631.73 

696.54 

710.96 

724.99 

733.66 

752.02 

765.14 

778.08 

37 

692.86 

707.45 

721.65 

735-49 

749.01 

762  29 

775-33 

788.37 

38 

703.73 

718.12 

732.13 

745-32 

759-27 

772.53 

785.68 

798.72 

39 

71437 

728.57 

742.45 

756.07 

769.50 

782.83 

796.05 

809.17 

40 

724.79 

738.86 

752.67 

766.29 

779.80 

793.20 

806.51 

8I9.73 

4i 

735.04 

749.06 

762.87 

776.58 

790.18 

803.68 

817.09 

830.34 

42 

745-20 

759.23 

773-15 

786.96 

800  67 

814.28 

827.73 

840.90 

43 

755.36 

769.50 

733.53 

797.46 

811.29 

824.96 

838.34 

851.40 

44 

765.61 

779-83 

794.04 

808.11 

822.01 

83561 

848.89 

861.74 

45 

776.00 

790.42 

804.73 

818.87 

832.72 

846.24 

859.31 

871.68 

45 

736.57 

801.15 

315-55 

829.65 

843.42 

856  73 

869.33 

880  95 

47 

797.36 

812.04 

826.41 

840.43 

854.00 

866.84 

878.68 

889.34 

43 

808.32 

822.98 

837-28 

851.12 

864.21 

876.29 

887.15 

895.88 

49 

819.34 

833-94 

84S.06 

861  42 

873.75 

884.83 

893-74 

9OO.64 

50 

830.41 

844.83 

858.47 

871.06 

882.38 

891.48 

898.52 

907.92 

5i 

841.40 

855  34 

868.21 

879.78 

'  889.08 

896.28 

905  88 

924.12 

52 

852.03 

865.19 

877-03 

886.54 

893.90 

903.73 

922.38 

IOOO.OO 

53 

861  99 

874.  if 

883.85 

891.38 

901.44 

920.54 

1000.00 

54 

871.01 

88099 

888.71 

899.02 

918.59 

IOOO.OO 

5? 

877.96 

885.88 

896.44 

916.51 

1000.00 

56 

882.86 

893-71 

914  3i 

1000.00 

5Z 

890.80 

911.97 

1000.00 

58 

90947 

1000  00 

> 

59 

1000.00 

5Pay.L. 


Comb.4% 


Of  Life  Insurance. 


389 


. 

Table  No. 

CXXXIII. 

TERMINAL  NET 

VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BV  FIVE  EQUAL  ANNUAL  PREMIUMS, 

COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

5  th  Year. 

20 

50.47 

IO3.27 

158.51 

216.32 

276.82 

21 

51.46 

105.32 

161.65 

220.61 

282.31 

22 

52.50 

I07.42 

164.89 

225.03 

287.99 

23 

53-56 

IO9.59 

168.23 

229.61 

293.86 

24 

54-66 

III. 85 

171.69 

234.33 

299.91 

3 

55.80 

II4.17 

175.26 

239.21 

306.I7 

56.96 

H6.56 

178.94 

244  25 

312.6a 

% 

58.17 

II9.04 

182.74 

249.44 

319.29 

59-41 

121.58 

186.66 

254.80 

326.17 

29 

60.70 

124.21 

I9O.71 

260.33 

333  27 

30 

62.01 

126.92 

194.88 

266.04 

340.60 

31 

63.38 

129.72 

I99.18 

271.93 

348.17 

32 

64.78 

132.60 

203.62 

278.02 

355-99 

33 

66.23 

135.57 

208.20 

284.30 

364.07 

34 

67.73 

138.65 

212.94 

290.79 

372.41 

if 

69.27 

I4I.82 

217.82 

297.50 

381  04 

70.86 

145.09 

222.88 

304.43 

389-9° 

U 

72.52 

148.48 

228.IO 

3U-59 

399.18 

74.22 

151.98 

233.50 

319.00 

408.71 

39 

75.98 

155.61 

239.O9 

326.66 

418.52 

40 

77.80 

159-35 

244.85 

334.52 

428.57 

4i 

79.69 

163.21 

250.76 

342  56 

438.86 

42 

81.63 

167.05 

256.78 

350.75 

449-35 

43       . 

83.59 

171.14 

262.88 

359-°6 

460.02 

44 

85.55 

175.15 

269.02 

367.48 

470.88 

45 

87-53 

179.17 

275.21 

376.00 

481.91 

46 

89.49 

183.20 

281.46 

384.62 

493-11 

47 

91.46 

187.28 

287.77 

393- 36 

504.46 

48 

93-44 

I9L37 

294.15 

402.18 

515.95 

49 

95-43 

I95.50 

300.56 

411.08 

527.57 

50 

97-44 

199.64 

307.OI 

420.04 

539-31 

5i 

99.44 

203.78 

313.48 

429.07 

55I-I6 

52 

101.42 

207.90 

3I9.95 

438.13 

563.10 

53 

103,39 

2I2.03 

326.44 

447.23 

57514 

54 

105.36 

216.13 

332.92 

456.36 

587.26 

55 

107.30 

220.22 

339-37 

465.48 

599-43 

56 

109.22 

224.28 

345.8o 

474.61 

611  63 

11 

111. 13 

228.31 

352.18 

483.68 

623.83 

113-01 

232.22 

.  358.45 

492.66 

630.00 

59 

114.83 

236.07 

364.63 

501.54 

648.12 

60 

116.56 

239.78 

370.63 

510.28 

660.17 

Comb.4% 


lOPay.L. 


390 

Principles  and  Practice 

Table  No. 

CXXXIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE 

LIFE 

POLICIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS, 

COMBINED  EXPERIENCE,  FOUR 

PER  CENT. 

Age. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

5  th  Year,    j 

20 

24.94 

50.98 

78.19 

IO6.61 

136.30 

21 

25.46 

52  06 

79.84 

108.85 

139- 1 7 

22 

26.OI 

53-17 

81.54 

III. 17 

142.13  ' 

23 

26.57 

54-31 

83.29 

113.56 

I45.I9 

24 

27.14 

55-49 

85.IO 

II6.03 

148.34 

25 

27.74 

56.71 

86.97 

II8.57 

I5I-59 

26 

28.35 

57.96 

88.89 

121. 19 

154-94 

27 

28.99 

59.26 

90.87 

I23.9O 

158.40 

28 

29.64 

60.59 

92.91 

126.68 

161.95 

29 

30-3I 

61.96 

95.OI 

129.54 

165.61 

30 

31.OO 

63-37 

97-17 

I32.49 

169.40 

31 

31-71 

64.82 

99.40 

135.53 

I73.30 

32 

32.44 

66.32 

IOI.70 

138.68 

177-32 

33 

33.20 

67.87 

IC4.08 

I4I.92 

181.48 

34 

33-98 

69.46 

106.53 

145.27 

185.79 

35 

34.78 

71.II 

IO9  06 

I48  74 

190.23 

36 

35-61 

72.81 

III. 69 

152.33 

194.84 

37 

36.48 

74-58 

II4.41 

I56.05 

199.61 

38 

37-37 

76.42 

117-23 

159.91 

204.55 

39 

38.30 

78.32 

I20.I6 

I63.9O 

209  61 

40 

39-27 

80.31 

123.20 

167.99 

214.76 

4i 

40.28 

82.36 

126.28 

172.12 

219.96 

42 

41.32 

84.42 

129.39 

I76.27 

225.14 

43 

42.34 

86.47 

132.46 

180.36 

230.29 

44 

43-35 

88.49 

135-47 

184.4O 

235-41 

45 

44-34 

90.45 

138.44 

188.4I 

240.52 

46 

45-29 

92-37 

I4L37 

I92.40 

245.62 

47 

46.25 

94.31 

144-31 

I96.4I 

250.73 

48 

47.18 

96.22 

147.24 

200.35 

255.80 

49 

48.13 

98.14 

150.16 

204.34 

260.86 

50 

49.06 

100.02 

I53-03 

208.25 

265.87 

51 

4997 

101.88 

155-86 

212.12 

270.83 

52 

50.87 

103.70 

158.67 

215-94 

275-74 

53 

51-75 

105.51 

161.42 

219.7O 

280.59 

54 

52.63 

107.28 

164.13 

223.4I 

285.37 

55 

53-49 

109.01 

166.79 

227.05 

290.07 

56 

54-31 

110.70 

169.40 

230.62 

294.62 

57 

55-14 

112.39 

171.96 

234.06 

299.02 

5« 

55  92 

113.98 

174-35 

237-30 

303.18 

59 

56.71 

II5-5I 

176.63 

240.38 

307-13 

60 

57-39 

116.88 

178.70 

243.2O 

310.78 

lOPay.L. 


Comb.4% 


Of  L,ife  Insurance. 

391 

Table  No.  CXXXIV.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS, 

COMBINED    EXPERIENCE,  FOUR 

PER  CENT. 

Age. 

6th  Year. 

7th  Year. 

8th  Year. 

9th  Year. 

lOth  Year. 

20 

I67.33 

199-75 

233-65 

269.IO 

306.17 

21 

I70.85 

203.96 

238.58 

274.77 

312.62 

22 

174.49 

208.30 

243.66 

280.62 

319.29 

23 

178.24 

212.78 

248.90 

286.66 

326.17 

24 

182. II 

217.40 

254.31 

292.90 

333.27 

3 

I86.IO 

222.17 

259-88 

299-33 

340.60 

igo.21 

227.08 

265.63 

305.97 

348.17 

27 

194.45 

232.15 

27L57 

312.82 

355-99 

28 

198.82 

237-37 

277.70 

319.90 

364.07 

29 

203.33 

242.77 

284.02 

327.20 

372.41 

30 

207.98 

248.33 

290.56 

334-76 

381.04 

31 

212.78 

254.08 

297.31 

342.56 

389.96 

32 

217.74 

260.03 

304.28 

350.63 

399.18 

33 

222.87 

266.17 

311.50 

358.97 

408.71 

34 

228.16 

272.52 

318.96 

367.59 

418.52 

3§ 

233.64 

279.08 

326.66 

376.45 

428.57 

36 

239.32 

285.87 

334-57 

385.53 

438  86 

3 

245-18 

292.85 

342.69 

394.81 

449-35 

251.21 

299.98 

350.95 

404.25 

460.02 

39 

257-35 

307.23 

359-33 

413.83 

470.88 

40 

263.59 

3I4.56 

367.82 

423.54 

481.91 

4i 

269.85 

321.94 

376.40 

433.38 

493-n 

42 

276.12 

329-37 

385-04 

443-34 

504.46 

43 

282.39 

336.81 

393-75 

453.38 

515-95 

44 

288.65 

344.29 

402.50 

463.51 

527.57 

4§ 

294.92 

35I-78 

411.29 

473-71 

539-31 

46 

301.18 

359-28 

420.12 

483.98 

55i-i6 

47 

307.45 

366.78 

428.98 

494-31 

563-10 

48 

3i3-7o 

374-29 

437-85 

504.68 

575-14 

49 

319-94 

381.79 

446.73 

515.09 

587.26 

50 

326.12 

389-25 

455.6o 

525.52 

599-43 

5i 

332.26 

396.68 

464.45 

535-95 

611.63 

52 

338.34 

404.08 

473.26 

546.33 

623.83 

53 

344-37 

411.38 

481.97 

556.65 

636.00 

54 

350.32 

418.57 

490-58 

566.88 

648.12 

55 

356.12 

425.62 

499.04 

576.98 

660. 1 7 

56 

361.77 

432.49 

507.32 

586.92 

672.12 

57 

367.22 

439- J4 

515  39 

596  68 

683.97 

58 

372.41 

445-53 

523.18 

606.22 

695.65 

59 

377-35 

45I-63 

530.72 

615.50 

707.19 

60 

381.96 

457-40 

537.89 

624.51 

718.57 

Comb.4* 


15Pay.L 


392 


Principles  and   Practice 


Table  No.  CXXXV. 
TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 
POLICIES  BY  FIFTEEN   EQUAL  ANNUAL   PRE- 
MIUMS, COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 

% 

29 

30 
31 
32 

33 

34 

9 

11 

39 

40 

4i 

42 

43 

44 


1st 

Year. 


16.60 
16.97 

17.37 
17.76 
18.17 

18.60 
19.03 
19.48 
19.94 
20.42 

20.90 
21.41 
21.92 
22.45 
23.OI 

23.58 
24.18 
24.81 
25.46 
26.14 

26.86 
27.61 
28.38 
29.14 
29.86 


2d 

Year. 


45 

30.58 

46 

31-24 

47 

31.90 

48 

32.56 

49 

33.22 

50 

33.88 

5* 

34-53 

52 

35-17 

53 

35-79 

54 

36.44 

H 

37.06 

37.68 

11 

38.32 

38.96 

59 

39-58 

60 

40.14 

33.91 
34.68 
35.46 

36.26 

37.11 

37.99 
38.86 

39-77 
40.73 
41.68 

42  68 
43-7Q 
44.75 
45.85 
46.97 

48.15 
49  37 
50.66 

51-99 
53-39 

54.85 
56.37 

57.88 

59  37 
60.82 

62.18 
63-50 
64.82 
66.15 
67-47 

68.78 
70.06 

71-33 
72  60 

73.85 

75.08 
7632 
77.58 
78.81 
79-97 

81.04 


3d 

Year. 


51.96 
53-12 
54.32 
55-56 
56  85 

58.17 
59-52 
60.93 
62.37 
63.84 

65.35 
66.93 

68.54 
70.21 

71.95 

73.76 
75-64 
77.60 

79.64 
81.78 

84.02 
86.28 
88.51 
90.70 
92.81 

94-85 

96.83 

98.83 

100  82 

102.79 

104.73 
106.65 
108.55 
110.43 
112.28 

114-13 
115.98 
117.82 
119-56 
121. 21 

122.74 


4th 

Year. 


70.78 
72.37 
74.OI 

75.69 
77-43 

79.22 
81.08 
82.97 
84.92 
86.93 

89.OO 
91.14 

93-33 
95.62 

97-99 

100.45 
103  01 
105.69 
108.48 
in. 38 

H4-35 
IT7-34 
120.28 
123.14 
!  125.92 

128.63 
131-31 
133.96 
136.61 

i39-23 

141.82 
144.38 
146.90 

149-39 
151.86 

154  31 

156  73 
I59-07 
161.30 

163.39 
165.32 


5th 

Year. 


9O.41 
9243 
94.52 
96.67 
98.89 

IOI.I8 
I03.53 
I05-95 
108.45 
III. OO 

113.64 
H6.37 
II9.19 
122. II 
125.14 

I28.3O 
131.58 
I35-00 
138.55 
142.19 

I45-89 

149-57 
I53-I9 
156.73 
160.19 

163.60 
166.95 
170.28 
173.60 

176.88 

180.11 
183.30 
186.44 

189.57 
192.64 

195.68 
198.62 
201.46 
204.13 
206.61 

208.91 


6th 

Year. 


IIO.89 

"3.37 
115.92 
H8.56 
121.27 

124.08 
126.95 
129.90 

132.97 
136. 1 1 

139-34 
142.70 
146.16 
149- 75 
153.47 

157.35 
161.38 
165.56 
169.86 
174.24 

178.64 
183.00 
187.30 
191.52 
195.68 

199.79 
203.85 
207.87 
211.85 
215.80 

219.69 

223.52 
227.33 

231.06 

234.75 

238.33 
241.77 

245.07 
248.16 
251.02 

253.63 


7th 

Year. 


132.23 
135.21 
138.24 

I4L39 
144.61 

147.94 
151.38 
154.9O 

158.54 
162.29 

166.16 
170.16 
I74.30 

178.58 
183.04 

187.67 
I92.47 
I97.4I 
202.44 
207.54 

212.62 
217.68 
222.68 
227.62 
232.49 

237.31 
242.07 
246.79 
251.48 
256.IO 

260.67 

265. iS 
269.62 
274.00 
278.26 

282.37 
286.31 
290.06 

293.55 
296.77 

299.69 


8th 

Year. 


154.54 
I57.98 
161.54 
165.19 
168.96 

172.85 
176.87 
180.97 
185.22 
189.61 

194.15 

I98.83 
203.67 
208.70 
213-93 

219  33 

224.89 

230.57 
236.32 
242.12 

247.90 

253.67 
259.40 
265.08 
270.67 

276.23 
281.71 
287.17 
292.57  I 
297.89 

303.16 
308.36 

3I3.49 
318.48 

323-33 

327.98  I 
332.42 
336.64  { 
340.52 
344-13 

347-34 


15Pay.L. 


Comb.4% 


Of  Life 

Insurance 

393 

1 

1 

Table  No.  CXXXV.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  FIFTEEN  EQUAL  ANNUAL   PRE- 

MIUMS, COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

9th 

Year. 

10th 

Year. 

11th 

Year. 

12th 

Year. 

I3t.i 

Year. 

14th 

Year. 

15  th 

Year. 

20 
21 
22 

23 

24 

I77-80 
181.76 
185.84 
I9O.04 
194.37 

202.07 
206.57 
211. 21 
215.98 
220.89 

227.42 
232.48 
237.68 
243.05 
248.59 

253.89 
259.53 
265.33 
271.34 
277.53 

281.53 
287.78 
294.23 
300.88 
307.75 

310.41 

3I7.30 
32442 
33L77 
339-36 

340.60 
348.17 
355-99 
364.07 

372.41 

u 

29 

I98.84 
203.46 
208.I9 
213.09 
2I8.I4 

225.97 
231.22 
236.61 
242.I9 
247.94 

254.3I 
260.22 
266.29 

272.58 
279.07 

283.91 
290. 5 1 
297.31 
304.36 
311.62 

314.84 
322.20 
329-75 
337-58 
345-66 

347.20 

355.31 
363.69 
372.34 
381.28 

381.04 
389.96 
399.18 
408.71 
418.52 

30 
31 
32 

33 

34 

223.36 
228.77 
234.36 
240.16 
246.17 

253.89 
260.05 
266.43 
273.OI 
279.81 

285.79 
292.75 
299.93 
307.32 
314.89 

3I9-I5 
326.92 

334-92 
343- 10 
35L47 

354-Q3 
362.63 

371-44 
380.43 

389.59 

390.49 
399.92 
409.56 
419  37 
429-35 

428.57 
438.86 

449-35 
460.02 
470.88 

9 

37 
38 
39 

252.35 
258.65 
265.07 

27*54 
278.05 

286.75 
293.82 
300.95 
308  16 
3I5-42 

322.60 
330.4I 
338.32 
346.29 
354.31 

359-94 
368.53 
377.22 
386.00 
394-86 

398.86 
408.27 
417.80 
427-43 
437.14 

439.48 

449-75 
460.16 
470.70 
481.33 

481.91 
493-H 
504.46 

515-95 

527-57 

40 
4* 
42 
43 
44 

284.56 
291.07 
297-54 
303.98 
3io.33 

322.69 
329.97 

337-21 
344-44 

351-57 

362.38 
370.46 

378.51 
386.56 

394-55 

403.75 
412.67 
421.58 
430  52 
439-39 

446.91 

456.74 
466.58 
476.46 
486.30 

49204 
502.84 
513-69 

524.58 
535.52 

539-31 
55i-i6 
563-10 

575-14 
587-26 

46 

47 
48 
49 

316.64 
322.90 
329.10 

335.25 
34L34 

358.70 
365.74 
372.74 
379.70 
386.58 

402. 5 1 
410.41 
418.28 
426.09 
433.84 

448.26 

457-H 

465.91 

474.65 
483.30 

496.18 
506.03 
515.86 
525.60 
535.26 

546.48 
557-44 
568.37 
579.26 
590.06 

599-43 
611.63 
623.83 
636.00 
648.12 

50 
5i 
52 
53 
54 

347-34 
353.28 

359-07 
364.71 
370.16 

393-38 
400.05 
406. 56 
412  88 
418.98 

44L45 
448.92 
456.21 
463-29 
470.I4 

491.81 
500.16 
508.34 
516.27 
523.96 

544  77 
554  14 
563.33 
572.27 
580.99 

600.73 
611.28 
621.66 
631.85 
641.79 

660.17 
672.12 
683.96 
695.65 
707.19 

56 
57 
58 
59 

375.38 
380.36 
385  05 
389.40 
393.37 

424.84 
430.40 
435.64 
440.48 
444.94 

476.68 
482.92 
488.81 
494.28 
499  36 

53i  36 
538.41 
545-12 
551.42 
557.31 

589.40 

597-49 
605.25 
612.63 
619.63 

651.50 
660.95 
670.10 
678.93 
687.43 

718.57 
729.76 
740.77    1 
751-57 
762.15    ! 
1 

60 

396-95 

448.98 

504  00 

562.74 

626  17 

695.56 

1 
772.51 

Comb.4% 


20Pay.L 


394 

Principles  and    Practice 

Table  No.  CXXXVI. 

TERMINAL  NET  VALUES  PER  $1000  OF  WHOLE  LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PRE- 

MIUMS 

,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

«th 

Year. 

6th 

Year. 

7th 

Year, 

20 
21 
22 

23 

24 

12.56 

12.86 
13.18 
13.50 
13.83 

25.64 
26.27 
26.89 

27-54 
28.23 

39.26 
40.20 
41.17 
42.16 
43.20 

53-44 

54-71 
50.03 

57-37 
58.79 

68.19 
69.82 
7I.50 
73-21 
74-99 

83.56 
85.54 
87.59 
89.69. 
9I.87 

99-56 
IOI.93 

I04-35 
106.85 
IO9.44 

25 
26 

28 

29 

14.18 
14.53 
14.90 
15-26 
15.65 

28.92 
29.63 
30.38 
31.13 
3I.91 

44.26 

45-35 
46.48 

47.64 

48.82 

60  21 
61.70 
63.22 
64.79 
66.40 

76.82 
78.71 
80.65 
82.63 
84.68 

94.09 

96.40 

98.76 

I0I.20 

IO3.7I 

II2.08 
II4.81 
II7.62 
120.52 
123.52 

30 
31 
32 
33 
34 

16.04 
1645 
16.87 

17-31 
17.77 

32.71 
33-55 
34.40 
35-30 
36.24 

50.05 
51-32 
52.64 
54.OI 

55-44 

68.06 
69.80 
7I.58 
73-45 
75-41 

86.82 
89.03 
9I.30 

93.69 
96.19 

IO6.32 
IO9.02 
III. 82 

114.75 
H7.80 

I26.6I 
12Q.84 
I33.I8 
136.67 
140.32 

36 
37 
38 
39 

18.25 

18.75 
19.28 
19.83 
20.41 

37-22 
38.24 
39-31 
40.44 
41.64 

56.93 
58.50 
60.15 
61.88 
63.71 

77-44 
79.58 
81.82 
84.18 
86.64 

95.79 
IOI.5I 

IO4.37 
IO7.36 
HO.43 

120.98 

124.34 
127.82 
131.42 
I35.07 

144." 

148.08 
152.17 

156.35 
160.56 

40 

4i 
42 

43 
44 

21.03 
21.68 
22.35 
23  01 
23.63 

42.90 
44.20 
45.51 
46.79 
48.01 

6561 

67.55 
69.45 
71.32 

73.09 

89.17 
91.69 
94.18 
96.58 

98.88 

113-53 
116.63 
119.65 
122.57 
125.43 

138.74 
I42.36 
145.89 

'49-35 
152.74 

164.74 
168.88 
172.94 
176.94 
180.84 

4I 
46 

4Z 
48 

49 

24.25 
24.80 
25.40 
25.97 
26.56 

49.17 
50.31 
51.44 
52.60 
53.76 

74.80 
76.48 
78.18 
79.90 
81.61 

101.14 

103.37 
105.62 
107.88 
110.12 

128.23 
130.99 

133.78 
136.56 
139  32 

156.06 

15937 
162.66 

165.95 
169.23 

184.70 
188.51 
I92  32 
196.12 
I99.9O 

50 
5i 
52 
53 
54 

2715 

27.75 
28.34 
28.95 
29.59 

54.92 
56.09 
57-26 
58.47 
59-68 

83  33 
85.05 
86.79 

88.55 
90.32 

112.38 
114.64 
116.92 
119.20 
121.54 

142.10 
144.88 
147.67 
150.51 
153.36 

172.52 
175.79 
17911 
182.43 

185.79 

203.66 

207.44 
211.23 
215.04 
2l8.8o 

12 

59 

30.20 
30.84 
3L52 
32.22 
32.93 

60.90 
62.18 
63.51 
6484 
66.16 

92.14 
94.01 
95-92 
97.8i 
99.68 

123.92 
126.34 
128.76 
131. 15 
133.47 

156.25 

159-13 
162.02 
164.82 
167.56 

189  11 
192  41 
195.67 
198.84 
201.93 

222.53 
226.18 
229.77 
233-24 
236  59 

60 

33-59 

67-43 

101.48 

135.75 

170.21 

204.87 

1 

239-78 

20Pay.L. 


Comb.4% 


Of  Life  Insurance. 


395 


Table  No.  CXXXVL— Continued. 
TERMINAL  NET  VALUES   PER  $1000  OF  WHOLE  LIFE 
POLICIES   BY  TWENTY   EQUAL  ANNUAL  PRE- 
MIUMS, COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age 


20 
21 
22 

23 

24 

25 
26 

2 

29 

30 
31 
32 
33 

34 

9 
11 

39 

40 

4i 
42 

43 
44 

9 

49 

50 
5i 
52 
53 

54 

55 
50 
57 
58 
59 

60 


8th 

Year. 


II6.23 
118.98 
I2I.80 
124.72 
127.72 

130.79 
133.97 
137-25 
140.63 
144.12 

147-75 
151-51 
155-43 
i59-5o 
163.76 

168.19 
172.76 
177.42 
182.16 
186.89 

I9I-59 
196.25 
200.83 

205.34 
209.78 

214.16 
218.46 
222.79 
227.07 
231.34 

235.61 
239.86 
244.x  2 
248.31 
252.46 

256.52 
260. 50 
264.37 
268.06 
271.61 

274.97 


9th 

Year. 


133-59 
136.74 
139-97 
I43.3I 
146.75 

150.28 
153-93 
157.71 
161.59 
165.60 

169.77 
174- 10 

178.60 
183.29 

188.17 

193.21 
198.35 
203.57 
208.82 
214.07 

219.29 
224.49 
229.60 
234-63 
239.58 

244.45 
249.28 
254.11 

258.87 
263.64 

268.37 

273-^9 
277.76 
282.32 
286.80 

291.16 
295.40 
299-49 
303.37 
307.04 

310.52 


lOth 

Year. 


151.63 

155-24 
I58.9O 
162.69 
166.58 

170.58 
174.72 
179.OO 

183.41 
187.97 

I92.71 
I97-63 
202.76 
208.08 
213.56 

219.18 
224  87 
230.62 
236.40 
242.16 

247.91 

253.63 
259.27 
264.82 
270.29 

275-68 
28I.OI 
286.33 
291.61 
296.86 

302.05 
307.I8 
312.23 
317.12 
32I.90 

326.53 
330.98 
335.24 
339.24 
343.02 

346.59 


11th 

Year. 


170.52 
174.52 
178.62 
I82.87 
187.24 

191.74 
I96.39 
201.20 
2o6.l6 
211.29 

216.63 
222.18 
227.92 
233.85 
239.92 

246.  IO 

252.34 
258.60 
264.90 
271.21 

277-49 
283.74 
289.90 

295  97 
301.98 

307.89 
313.72 
319.56 
325.32 
331.05 

336.68 
342.19 
347  58 
352.8o 
357.85 

362.71 
367.35 
37L74 
375-85 
379-71 

383.32 


12th 

Year. 


13th 

Year. 


I9O.16 
I94.60 
I99.17 
203.9O 
208.77 

213.78 
218.97 

224.33 
229.88 
235.62 

24L57 
247-75 
254.12 
260.63 
267.28 

273.99 
280.76 

287.57 
294.41 
301.25 

308.08 
314.86 
321.56 
328.16 
334.69 

341-13 

347- 5 1 
353-85 
360.12 
366.30 

372.33 
378.22 

383.96 
38946 
394  78 

399-85 
404.64 
409.17 

413.39 
4I7.30 

420.94 


210.62 

215-53 
220.60 
225.83 
231.22 

236.77 
242.52 
248.47 
254.62 
260.99 

267.59 

274-39 

281.35 
288.44 
295.63 

302.91 
310.21 
3I7-57 
324.97 
332.36 

339-72 
347.05 
354-31 
36i  45 
368.53 

375  54 
382.44 
389  33 
396.06 
402.69 

409.14 
415.40 
421.48 
427.29 
43-86 

438.13 
443.10 

447-77 
452.09 
456.07 

459-73 


14th 

Year 


231.96 
237-36 
242.93 
248.69 

254-63 

260.76 
267.09 
273.66 
280  44 
287.46 

294.69 
302.09 
309-65 
3I7-30 
325.04 

332.88 
340.76 
348.68 
356-64 
364.59 

372.51 
380.41 
388.23 
395-95 
403-6I 

4ri.i8 
418.65 
426.04 
433-29 
440.35 

447-25 
453-91 
460.33 
46647 
472.31 

477.82 
483.01 
487.86 
492.31 
496.38 

500.09 


Comb.4* 


20Pay.L. 


396 

Principles  ane 

Practice 

Table  No.  CXXXVL— Concluded. 

il 

TERMINAL  NET  VALUES  PER  $1000  OF 

WHOLE  LIFE 

POLICIES  BY  TWENTY  EQUAL  ANNUAL  PRE- 

MIUMS,  COMBINED 

EXPERIENCE, 

FOUR  PER 

CENT. 

Age. 

15th 

Year. 

16th 

Year. 

irth 

Year. 

18th 

Year. 

19th 

Year. 

20th 

Year. 

20 
21 
22 

23 

24 

254.21 
260. 1  3 
266.25 

272.55 
279.07 

277.43 
283.89 
290.57 
297.46 
304.58 

301.66 
308.70 
315.96 
323.45 
331-21 

326.99 
334.60 
342.48 
350.63 
359-06 

353-41 
361.66 
370.20 
379.03 
388.14 

381  04 
389.96 
399.18 
408.71 
418.52 

25 
26 

3 

29 

285.79 
292.75 

299-95 
307.40 
315.05 

311.92 

3I9.54 
327.40 
335.48 
343-77 

339-23 
347.50 
356.03 
364.75 
373.67 

367.75 
376.69 
385.86 

395-23 
404.76 

397.51 
407.I3 
416.96 
426.97 
437.15 

428.57 
438.86 

449-35 
460.02 

470.88 

30 
31 
32 
33 
34 

322.89 
330.90 
339  01 
347.24 
355.56 

352.23 
360.82 
369- 52 
378.34 
387.27 

382.72 
391.92 
401.24 
410.68 
420.22 

41444 
424.27 
434.23 
444-32 

454-52 

447.48 
457.98 
468.61 

479-39 
490.27 

481.91 
493.11 
504.46 

515-95 
527.57 

9 

37 
38 
39 

363.98 
372.44 
380.95 
389.48 
398.02 

396.29 
405-35 
414-45 
423.60 

432.75 

429.87 
439-56 
449- 29 
45909 

468.89 

464.83 
475.18 
485.60 
496.08 
506.57 

501.25 
512.34 
523.49 
534.70 
545.98 

539-31 
55i.i6 
563.10 

575-14 
587.26 

40 

4i 
42 

43 
44 

406.54 
4I5.03 
423.43 
431.76 
440.03 

441.88 
450.99 
460.05 
469.03 
477-94 

478.68 

48847 
498.22 
507.89 
5I7.49 

51709 
527.61 
538.10 
548.51 
558.85 

557.28 
568.60 

579- 89 
591.13 
602.29 

599-43 
611.63 
623.83 
636.00 
648.12 

46 

% 

49 

448.21 
456.25 

464.19 
471.92 
479-50 

486.73 
495  37 
503.89 
512.21 
520.31 

526.94 
536.24 

545-41 
554-36 
563.09 

569.04 
579^0 
589.01 
598.70 
608.18 

613.35 
624.27 
635.04 
645.64 
656.02 

660.17 
672.12 
683.96 
695.65 
707.19 

50 
5i 
52 
53 
54 

486.84 

493-93 
500.76 

507.25 
5I3.42 

528.17 
535-76 
543-o6 

549-99 
556.6i 

571.56 
579-74 
587.62 
595.16 
602.35 

617.39 
626.32 

634-98 
643-30 
651.26 

666.17 
676.09 

685.75 
695.10 
704.18 

718.57 
729.76 
740.77 

75i  57 
762.15 

M 

57 
58 
59 

519-25 
524.72 
529.81 
534-46 
538.70 

562.85 
568.70 
574-14 
579-!4 
583.66 

609. 14 
615.56 
621.54 
627.06 
632.08 

658.86 
666.08 
672.89 
679.25 
685.12 

712.91 
721.31 
729-35 
737oi 
744.27 

772.51 
782.65 
792.54 
802.20 

811.59 

60 

542.53 

587.74 

636.68 

690.55 

75i. 11 

820.74 

lOYr.End. 


Comb.4* 


Of  Life  Insurance. 

397 

Table  No.  CXXXVII. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES  BY   EQUAL  ANNUAL  PREMIUMS   TILL   MATUR- 

ITY, PAYABLE   AT    END    OF    TEN  YEARS    OR  AT 

DEATH 

IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5  th 

Year. 

20 
21 
22 

23 

24 

80.51 
80.49 
80.46 
80.43 
80.40 

164.79 
164.74 
164.69 
164.63 
164.58 

253.02 

252.95 
252.88 
252.79 
252.71 

345-41 
345-32 
345.23 
345-13 
345.03 

442.17 
442.07 
441.96 
441.85 
44L73 

11 

27 
28 
29 

80.37 
80.33 
80.30 
80.26 
80.22 

164.51 
164.45 

164.37 
164.30 
164.21 

252.62 
252.53 
252.43 
252.31 
252.20 

344.91 
344-79 
344-66 

344-53 
344.38 

441.60 
441.46 
44L33 
441.16 
44I.OO 

30 
31 
32 

33 
34 

80.17 
80.12 
80.06 
80.OI 
79-95 

164.12 
164.03 
163.92 
163.83 
163.70 

252.06 
251.92 
251.78 
251.63 
251-47 

344-21 
344.05 
343.87 
343.69 
343-49 

440.82 
440.63 

440.43 
440.22 
44O.OO 

35 
36 

U 

39 

79.89 
79.83 
79.78 
79.72 
79.68 

163.59 
163.48 
I63.37 
163.27 
163.20 

251.31 
251.15 
25I.OO 
250.88 
250.78 

343-29 
343- 10 
342.93 
342.77 
342.65 

439-79 
439.58 
439.38 
439-21 
439-06 

40 

4i 
42 

43 
44 

79.66 
79-65 
79.65 
79.62 
79-55 

163.16 
163.13 
I63.O9 
162.98 
162.82 

250.71 
250.64 
250.52 
250.32 
250.02 

342.54 
342.40 

342.17 
341.8* 
34L43 

438.87 
438.65 
438.33 
437.90 
437.37 

49 

79-45 
79.30 
79.14 
78.96 

78.77 

162.58 
162.27 
161.94 
161.58 
l6l. 17 

249.63 
249.18 
248.68 
248.15 
247.54 

340.91 
340.33 
339-69 
338.99 
338.21 

436.76 
436.08 
435-32 
434-49 

433-58 

So 
5i 
52 
S3 

54 

78.56 
78.33 
78.07 
77-79 
77.51 

160.76 
160.29 
159-77 
159-22 
158.64 

246.92 
246.21 

245.44 
244  62 

243.74 

337-39 
336.47 
335-49 
334.42 
333.30 

432.59 
43L52 
430.35 
429.10 

427.78 

P 

57 
58 
59 

77.20 
76.86 

76.55 
76.20 

75.84 

158.OO 

157.35 
156.69 

155.99 
155.19 

242.82 
241.86 
240.85 

239-74 
238.50 

332.10 
330.84 
329.48 
327.98 
326.33 

426  36 
424.84 
423.19 
421.36 
419.36 

60 

75-40 

154.29 

237.12 

324.50 

417.13 

Comb.4* 


lOYr.End 


398 

Principles 

and   Practice 

Table  No.  CXXXVIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL   MATUR- 
ITY, PAYABLE  AT  END  OF  TEN  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT 

Age. 

6th 

Year. 

7th 

Year. 

Hth 

Year. 

9th 

Year. 

10th 

Year. 

20 
21 
22 

23 

24 

543- 52 

543.42 

543-31 
543-19 
543-o6 

649.72 
649.62 
649.51 
649.40 
649.28 

761.OI 
760.93 
760.84 
760.75 
760.65 

877.68 
877.62 
877.57 

877-5' 
877.45 

I.OOO.OO 
1,000.00 
I.OOO.OO 

1.000.00 

I.OOO.OO 

11 
11 

29 

542.93 
542.79 
542.64 

542.47 
542.30 

649.16 
649.02 
648.88 
648.72 
648.56 

760.54 
760.43 
760.31 
760.18 
760.05 

877-39 
877.32 

877.25 
877.17 
877.09 

I.OOO.OO 
I.OOO.OO 
1,000.00 
I.OOO.OO 
I.OOO.OO 

30 
31 
32 

33 
34 

542.12 
541-92 
54L7I 
54I.50 

541.28 

648.38 
648.20 
648.OI 
647.81 
647.60 

759-91 
759-76 
759.60 

759-44 
759.26 

877.00 
876.91 
876.82 
876.72 
876.61 

I.OOO.OO 
I.OOO.OO 
I.OOO.OO 
1,000.00 
I.OOO.OO 

9 

39 

541.06 
540.84 
540.64 
540.45 
540.24 

647.40 
647.19 
646.98 
646.78 
646.54 

759- 10 
758.92 
758.73 
758.53 
758.30 

876.51 
876.39 
876.26 
876.12 
875.96 

1,000.00 

1.000.00 
1,000.00 
1.000.00 
1,000.00 

40 
4i 
42 
43 
44 

540.00 
539.70 
539.30 

538.81 
538.23 

646.26 
645.92 
645.50 
644.99 
644.41 

758.03 
757.71 
757-33 
756.89 
756.38 

875.77 
875.56 
875.3I 
875.03 
874.70 

1,000.00 
1,000.00 
1. 000  00 
1.000.00 
1,000.00 

49 

537.56 
536.81 
535.98 
535.09 
534-o6 

643.74 
643.OO 
642.17 
641.28 
640.29 

755.8o 
755.17 
754-45 
753.69 
752.85 

874-33 
873.92 
873.48 

872.99 
872.46 

1,000.00 
1,000.00 
1,000.00 
1.000.00 
1,000.00 

50 
5i 
52 
53 

54 

533.02 
531.85 
530.59 
52924 

527.80 

639-25 
638.IO 
636.87 
635.52 
634.06 

75L94 
750.95 
749-87 
748.71 
747-44 

871.88 
871  25 
870.56 
869.81 
868.99 

1,000.00 
1,000.00 
1,000  00 
1,000.00 
1,000.00 

U 

59 

526.23 

524.54 
522.68 
520.65 
518.41 

632.48 
630.76 
628.88 
626.82 
624.53 

746.05 
744-54 
742.87 
74L05 
739.04 

868.09 
867  10 
866.02 
864.83 
863.52 

1,000.00 
1.000.00 
1,000.00 
1,000.00 
1,000.00 

60 

515.93 

622.03 

736.81 

862.07 

1,000.00 

15Yr.End. 


Comb.4* 


Of 

lylFK        I 

NSURA> 

rCE. 

399 

Table  No.  CXXXVIII. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT    END  OF    FIFTEEN  YEARS   OR   AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1-t 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

Bth 

Year. 

6th 

Year. 

7th 

Year. 

8th 

Year. 

20 
21 
22 

23 

24 

47.42 
47.40 

47-38 
47.36 
47-34 

97.OI 
96.98 

96.94 
96.90 
96.86 

148.90 
148.85 
148.79 

148.73 
148.66 

203.I9 
203.12 
203.04 
202.96 
202.87 

260.OI 
259.92 
259.82 
259.72 
259.60 

319.48 
319.37 
3I9.25 
3I9.I3 
318.99 

381.74 
381.62 
381.48 
381.34 
38I.I9 

446.95 
446.81 
446.66 
446.50 
446.33 

25 
26 
27 
28 
29 

47.32 
47-30 
47.28 
47.25 
47.22 

96.82 
96.78 
96.71 
96.66 
96.59 

148.60 
148.52 
148.43 

148.35 
148.25 

202.78 
202.68 
202.56 
202.45 
202.30 

259.49 

259-35 
259.21 
259.06 

258.89 

318.85 
318.69 
318.52 
318.34 
3I8.I4 

381.02 
380.84 
380.64 
380.44 
380.21 

446.14 
445-94 
445-73 
445.50 
445.26 

30 
31 
32 

33 
34 

47.18 
47.15 
47.11 
47.07 

47.05 

96.53 
96-45 
96.37 
96.31 
96.24 

148.14 
148.03 
147.92 
147-82 
147.72 

202.I6 
202.02 
201.87 
201.74 
201.62 

258.71 
258.53 
258.35 
258.19 
258.04 

317-93 
317.72 
317.52 
3I7.33 
317.17 

379-97 
379-74 
379-51 
379-31 
379-13 

445-OI 
444.76 
444.51 
444.29 
444.II 

9 
9 

39 

47.02 
47.00 
47.00 
47.01 
47-03 

96.20 
96.17 
96.16 
96.18 
96.23 

147.66 
147.61 
I47.60 
147.64 
147.72 

2OI.53 
201.47 
201.46 
20I.5I 
201.63 

257-94 

257-88 
257-88 

257.94 
258.03 

3I7.05 
316.99 
316.99 
317.02 
3I7.06 

379.01 
378.94 
378.91 
378.88 
378.84 

443.98 
443.89 

443-79 
443.69 

443-54 

40 

4i 
42 

43 
44 

47.09 
47.16 
47.24 
47.30 
47-33 

96.34 
96.47 
96.59 
96.65 
96.66 

147.87 
148.02 
148.  II 
148.14 
I48.05 

201.77 
2OI.87 
2OI.9I 
201.84 
201.65 

258.12 
258.16 
258.09 
257.92 
257.60 

317.07 
316.99 
316.80 
3I6.50 
316.07 

378.73 
378.54 
378.23 
377.81 
377.26 

443.32 
44^. 01 

442.59 
442.05 

44L39 

46 

4Z 
48 

49 

47-33 
47.28 

47.23 
47.18 
47.12 

96.60 
96.48 

96.35 
96.22 
96.08 

147.91 
147.70 
147.47 
147.24 
146.98 

201.41 
201.09 
2OO.75 
200.38 
I99.98 

257.25 
256.80 
256  32 
255.81 
255.24 

315.59 
3I5.02 
314.38 
3I3.70 
312.96 

376.65 
375-93 
375-14 
374-29 
373-38 

440.65 
439-78 
438.85 
437.85 
436.76 

So 
5i 
52 
53 
54 

47.07 
47.00 

46.93 
46.86 
46.81 

95.92 
95.76 
95.58 
95.41 
95.26 

146. 70 
146.40 
I46.O9 
145.78 
145.48 

199-54 
I99.O9 
I98.62 

198.13 
I97.67 

254-63 
254.00 

253.33 
252.67 
252.01 

312.17 

311.34 
310.48 
309.61 
308.74 

372.40 

371.38 
370.33 
369.24 
368.09 

435.63 
434-42 
433-16 

431.83 
430.41 

P 

59 

46.75 
46.69 
46.68 
46.67 
46.67 

95.08 
94.96 
94-87 
94-79 
94.67 

145.19 
144.93 
144.71 

144.45 
144.14 

I97.20 
I96.78 
I96.32 
195.82 
195.24 

25L35 
250.65 

249-93 
249.11 
248.20 

307.80 
306.81 
305.74 
304.58 
303.28 

366.86 

365.53 
364.12 

362.55 
360.83 

428.86 
427.22 
425.43 
423.47 
421.31 

60 

46.63 

94-51 

143.77 

194.59 

247.18 

3OI.84 

358.94 

418.92 

Comb.4* 


15Yr.End 


400 

Principles  and 

Practice 

Table  No.  CXXXVIIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  END  OF  FIFTEEN  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR 

PER  CENT. 

Age. 

9th 

Year. 

lOth 

Year. 

11th 

Year. 

12th 

Year. 

13th 

Year. 

14th 

Year. 

15th 

Year. 

20 
21 
22 

23 

24 

515.24 
5I5-09 
5M-93 
5I4-76 

514.58 

586.79 
586.64 
586.48 
586.3O 
586.II 

661.77 
661.63 
661.47 
661.30 
66I.I2 

740.38 
740.25 
740.IO 
739-95 
739-79 

822.80 
822.70 
822.59 
822.47 
822.34 

909.27 
909.21 
909.14 
909.07 
9O9.OO 

I.OOO.OO 
1,000.00 
I.OOO.OO 

1.000.00 

1,000.00 

3 

29 

514.38 
514.17 
513.94 
513.71 
513-45 

585.92 
585.70 
585.48 
585.23 
584.98 

660.93 
660.72 
660.51 
660.28 
660.04 

739-62 
739-44 
739-25 
739-04 
738.83 

822.21 
822.07 
821.91 
821.76 
821.59 

908.92 
908.84 
908.75 
908.66 
908.56 

1,000.00 
1,000.00 
I.OOO.OO 
1,000.00 
I.OOO.OO 

30 
31 
32 

33 
34 

513.19 
512.93 
512.68 
512.46 
512.28 

584.72 
584.46 
584.22 
584.OO 
583.80 

659.79 
659-55 
659.32 
659.IO 

658.88 

738.61 
738.40 
738.19 
737-97 

737-75 

821.42 
821.25 
82I.06 
820.88 
820.67 

908.45 
908.35 
908.23 
908.IO 
907.97 

I.OOO.OO 
1,000.00 
I.OOO.OO 
I.OOO.OO 
I.OOO.OO 

9 

39 

512.13 
511.98 
511.82 
511.62 
511.36 

583.61 
583.41 
583.17 
582.89 

582.55 

658.66 
658.40 
658.II 
657-77 
657.38 

737.50 
737.23 
736.92 
736.57 
736.16 

820.44 
82O.I9 
819.9I 
819.60 
819.24 

907.82 
907.65 

907.47 
907.26 
907.03 

I  OOO.OO 
I.OOO.OO 
I.OOO.OO 
I.OOO.OO 
1,000.00 

40 

41 
42 

43 
44 

5II.04 

51O.63 
5r0.II 

509-47 
508.70 

582.15 
581.66 
581.05 
580.34 

579-49 

656.93 
656.38 

655-74 
654.99 
654.12 

735.7o 
735-16 
734.53 
733-8) 
732.98 

818.84 
818.37 
817.83 
817.22 
816.52 

906.77 
906.47 
906.13 
905.75 
905-32 

1,000.00 
1,000.00 
I.OOO.OO 
I,000.00 
1,000.00 

49 

507.84 
506.87 
505.81 
504.67 
503.46 

578.56 
577.51 
576.36 
575.14 
573.83 

653-I5 
652.07 
650.91 
649.66 
648.32 

732.05 
73L03 
729.93 

728.75 
727.46 

815.75 
814.9I 
813.99 
812.99 
8H.9O 

904.84 
904.31 

9°3-74 
903. 1 1 
902.43 

I.OOO.OO 
I.OOO.OO 
1,000.00 
1,000.00 
1,000.00 

50 
51 
52 
53 
54 

502.17 
500.8I 
499-34 
497.78 
496.IO 

572.43 
570.93 
569.31 
567.56 
565.68 

646.87 
645-30 
643.60 
64I.77 
639  77 

726.07 

724.55 
722.90 
721. 11 
719.16 

810.72 
809.42 
808.02 
806.48 
804.80 

901.68 
900. 86 
899.96 
898.98 
897.91 

I.OOO.OO 
I.OOO.OO 
1,000.00 
I.OOO.OO 
1,000.00 

p 

58 

59 

494.29 

492.31 
490.18 
487.84 
485.26 

563-63 
561.41 
559-00 
556.34 
553-43 

637.60 
635-24 

632  66 
629.82 
626.73 

717.03 
714.70 
712.16 

709.37 
706.33 

802.97 
800.95 
798.76 
796.35 

793-71 

896.73 
895.45 
894.03 
892.48 
890.77 

I.OOO.OO 
I.OOO.OO 
1,000.00 
I.OOO.OO 
1,000.00 

60 

482.44 

550.26 

623.36 

703.01 

790.82 

888.90 

1,000.00 

20Yr.End. 


Comb.4* 


Of  L,iff,  Insurance. 


401 


Table  No.  CXXXIX. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT   END  OF    TWENTY    YEARS    OR  AT 
DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age. 

! 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

31.39 

64.19 

98.49 

134-33 

171.80 

210.99 

251.99 

21 

31.38 

64.18 

98.45 

134  28 

I7L74 

210.92 

251.89 

22 

31.38 

64.16 

98.42 

134-24 

171.69 

210.84 

251.80 

23 

31-37 

64.14 

98.40 

134.20 

171.63 

210.76 

25L70 

24 

3I.36 

64.13 

98.36 

134.15 

171.56 

2I0.68 

251.58 

% 

31.35 

64.II 

98.33 

I34-IO 

171.49 

210.58 

251.46 

31-34 

64.O9 

98.29 

134.04 

171.41 

210.47 

251.32 

% 

31.34 

64.06 

98.25 

I33.98 

171.32 

210.35 

251.18 

31.32 

64.04 

98.21 

133.91 

171.23 

210.24 

251.05 

29 

31.32 

64.02 

98.17 

133-86 

171. 15 

210.15 

250.93 

30 

31.31 

64.OO 

98.14 

I33.8I 

I71.O9 

2I0.06 

250.82 

;     31 

3I-3I 

63.98 

98.II 

133-77 

171.04 

2IO.OO 

250.76 

32 

3I-30 

63-97 

98.ro 

I33.76 

I7I.02 

209.98 

250.73 

33 

31-31 

64.OO 

98.13 

133-79 

171.06 

210.03 

250.79 

34 

31.33 

64.03 

98.18 

133.86 

171. 14 

210.13 

250.91 

ft 

31.36 

64.08 

98.26 

133.97 

171.29 

210.31 

251.12 

31.40 

64.18 

98.40 

134.15 

171.52 

210.59 

251.45 

11 

31.46 

64.30 

98.59 

134-41 

171.85 

210.97 

251.84 

31.54 

64.46 

98.84 

134-75 

172.26 

211.42 

252.27 

39 

31.65 

64.69 

99.17 

135-18 

172.74 

211.89 

252.70 

40 

3L79 

64.97 

99.58 

135.66 

I73.23 

212.37 

253-IO 

41 

31.96 

65.28 

99.99 

136.12 

173.70 

212.77 

253-41 

42 

32.14 

65.59 

IOO.38 

136.53 

174.08 

213.08 

253.65 

43 

32.31 

65.86 

IOO.71 

136.85 

174.36 

213-31 

253.80 

44 

32.44 

66.IO 

IOO.96 

137.09 

174.57 

213.47 

253.87 

* 

32.57 

66.27 

IOI.I6 

137.29 

174.74 

2I3-58 

253.91 

32.66 

66.39 

IOI.3I 

137.44 

174.87 

213.65 

253.89 

47 

32.75 

66.58 

IOI.54 

137.68 

175-06 

213-78 

253.91 

48 

32.85 

66.76 

IOI.76 

137.90 

175.26 

213  91 

253-95 

49 

32.98 

66.97 

I02.0I 

138.16 

175-49 

214.08 

254-03 

50 

33-11 

67.19 

IO2.29 

138.45 

175.76 

214.29 

254-I3 

51 

33.25 

67.44 

IO2.59 

138.78 

176.08 

214-55 

254.32 

52 

33.41 

67.71 

102.9s 

I39-I8 

176.46 

214.90 

254.59 

53 

33.58 

68.04 

IO3.36 

139.64 

176.95 

215.36 

254.96 

54 

33-8o 

68.40 

IO3.84 

140.20 

177.54 

215.92 

255.40 

n 

34-02 

68.81 

IO4.41 

140.87 

178.24 

216.56 

255.91 

34.28 

69.29 

IO5.07 

141.64 

179.02 

217.26 

256.46 

11 

34.60 

69.88 

IO5.84 

142.49 

179.87 

218.03 

257.07 

34-95 

70.50 

IO6.63 

143.38 

180.76 

218.  S\ 

257.70 

59 

35-33 

71.14 

IO7.47 

144.30 

181.68 

219.67 

258.35 

60 

35.69 

71.80 

IO8.30 

145-24 

182.63 

220.52 

259.OO 

Comb.4* 


20Yr.End 


402 

Principles  and  Practice 

1 

Table  No.  CXXXIX.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  END  OF  TWENTY  YEARS  OR  AT 

] 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

8th 

Year. 

9th 

Year. 

lOth 

Year. 

11th 

Year. 

lath 

Year. 

13th 

Year. 

14th 

Year. 

20 
21 
22 

23 

24 

294.87 
294.76 
294.64 
294.52 
294.38 

339-74 
339-61 
339-47 
339-33 
339- l6 

386.71 
386.56 
386.40 
386.22 
386.03 

435.87 
435.71 
435-53 
435-33 
435-12 

487.36 
487  18 
486.98 
486.77 
486.54 

541.30 
54LIO 

540.89 
540.67 
540.43 

597-81 
597-61 
597-4Q 
597-17 
596.93 

25 
26 

2 

29 

294.23 
294.06 
293.90 

293-74 
293.60 

338.98 
338.80 
338.60 
338.42 
338.26 

385.83 
385.62 
385-4I 
385.21 
385.03 

434.90 
434.67 
434-44 
434-22 
434.04 

486  30 
486.06 
485.82 

485.59 
485.40 

540.I8 

539-93 
539-68 

539-45 
539-26 

596.67 
596.42 
596.17 
595-95 
595.76 

30 
31 
32 
33 
34 

293.48 
293-4I 
293.38 
293-45 
293o9 

338.13 
338.05 
338.03 
338.11 
338.26 

384.89 
384.81 
384.80 
384.88 
385.OI 

433-89 
433-8i 
433-80 
433.85 
433-94 

485.25 

485. '7 
4S5-M 
485.13 
485-I5 

539-n 
539-OI 
538.92 

538.85 
538.77 

595-59 

595-45 
595.31 
595.16 
594-99 

36 
37 
38 
39 

293.83 
294.15 
294.51 
294.88 
295.22 

338.49 
338.77 
339.06 

339-33 
339-56 

385.19 
385-40 
385-58 
385.75 
385.85 

434.04 
434.14 
434.21 

434-24 
434-23 

485.15 
485.13 
485.08 

484.99 
484.84 

538.67 
538.54 
538.38 
538.16 
537.89 

594-79 
594-56 
594-29 
593-97 
593.58 

40 

4i 

42 

43 
44 

295-52 
295.74 
295.88 

295-93 
295.89 

339-75 
339-86 
339-88 
339-8o 
339-64 

385-92 
3S5.89 
385.78 
385.56 
385.25 

434-15 
433-99 
433-73 
433-36 
432.90 

484.63 
484.33 
483.91 

483.39 
482.77 

537-54 
537.09 

536.54 
535-87 
535.09 

593- 10 

592.53 
591.84 
591.04 
590.14 

8 

47 
48 

49 

295.81 
295.67 
295-58 
295.49 
295-43 

339-42 
339- H 
338.91 
338.66 
338.46 

3S4.88 

384.45 
384.04 

383.65 
383-27 

432.37 
43L78 

431.19 
430.61 
430.04 

482.07 
481.32 
480.56 

479-79' 
478.98 

534.25 
533-34 
532.40 
531.41 
530.36 

589.16 

588.11 
586.99 
585.80 
584.53 

50 
5i 
52 
53 
54 

295-44 
295.49 
295.64 

295.83 
296.09 

338.30 
338.21 

338.14 
338.12 
338.12 

382.93 
382.60 

382.28 

381.97 
381.67 

429.46 
428.87 
42S.25 
427.63 
426.98 

478.14 
477.25 
476.33 
475-35 
474.31 

529-25 
528.08 
526.82 
525.48 
524.05 

583.17 
581.71 
580.15 

578.47 
576.65 

U 
11 

59 

296.38 
296.71 
297.08 

297-45 
297.83 

338.14 

338.18 
338.23 
338.26 
338.26 

381.36 
381.03 
380.70 
380.30 
379-88 

426.28 
425.54 
424-75 
423.88 
422.98 

473.20 
472.00 
470.72 
469.36 
467-93 

522.50 
520.84 
519.08 
517-20 
515.22 

574.69 
572.60 
570.38 
568.00 
565.47 

60 

298.18 

338.24 

379-44 

422.04 

466.43 

5I3-I3 

562.80 

20Yr.End. 


Comb.4* 


Of 

IyiFK  Insurance. 

403 

Table  No.  CXXXIX.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE    AT  END  OF    TWENTY  YEARS   OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR   PER  CENT. 

Age. 

15th 

Year. 

16th 

Year. 

17th 

Year. 

18th 

Year. 

19th 

Year. 

2  Oth 

Year. 

20 
21 
22 

23 

24 

657.06 
656.86 
656.65 
656.42 
656.18 

719.18 
718.99 
718.80 

718.58 
718.36 

784.35 
784.19 
784.02 
783.83 
783.64 

852.75 
852.63 
852.49 

852.35 
852.20 

924.57 
924.49 
924.41 
924.33 
924.25 

1,000.00 
1,000.00 
1,000.00 
I.OOO.OO 
I.OOO.OO 

26 
27 
28 
29 

655.93 
655.69 

655-45 
655.24 
655.04 

718.13 
717.90 
717.68 
717.47 
717.26 

783.44 
783.24 
783.04 
782.84 
782.63 

852.05 
851.89 
851.72 
851.55 
851.36 

924.I5 
924.06 

923-95 
923.84 
923.72 

I.OOO.OO 
I.OOO.OO 
1,000.00 
I.OOO.OO 
1,000.00 

30 
31 
32 

33 
34 

654.85 
654.66 
654.46 
654.24 
654.OO 

717  05 
716.83 
716.58 
716.32 
716.02 

782.41 
782.17 
781.91 
781.63 
781.32 

851.16 

850.95 
850.71 
850.46 

850.18 

923-59 
923-45 
923.29 

923-I3 
922.94 

I.OOO.OO 
I.OOO.OO 
1,000.00 
I.OOO.OO 
1,000.00 

p 

39 

653.72 
653.4I 
653.05 
652.63 
652.14 

7I5.69 
715.32 
714.90 
714.42 

713.87 

780.97 
780.58 
780.15 
779.66 
779-IO 

849.87 
849.52 
849.13 
848.70 
848.22 

922.74 
922.51 
922.26 
921.98 
921.67 

1,000.00 

1.000.00 
1,000.00 
I  000.00 
1,000.00 

40 

4i 
42 

43 

44 

65L57 
650.89 
650.II 
649.22 
648.22 

713.24 
712.51 
711.68 

710  75 
709.71 

778.47 
777-75 
776.95 
776.04 

775-04 

847-67 
847  06 

846.37 
845.60 
844.74 

921.32 
920.93 
920.50 
920.OI 
9:9.46 

1,000.00 
1,000.00 
1,000.00 
1,000.00 
1,000.00 

46 

47 
48 

49 

647.15 

645.97 
644.71 

643-35 
641.90 

708.58 

707.34 
706  OO 

704.55 
702.99 

773-93 
772.72 
771.41 
769.99 
768.44 

843.79 
842.75 
841.63 
840.39 
839.06 

918.86 
918.20 
917.48 
916.69 
9!5-83 

1,000.00 
1,000.00 
1,000.00 
1,000.00 
1,000.00 

50 
5i 
52 
53 
54 

640.33 
638.64 
636.82 

634-84 
632.71 

701.30 
699.47 
697.48 
695.32 
693,00 

766.77 
764.94 
762.95 
760.80 

758.47 

837.60 
836.OO 
834.27 
832.38 
830.33 

914.88 
913  86 
912.73 
911.50 
910.16 

1,000.00 
I  000.00 
1,000.00 
1,000  00 
1,000.00 

5I 
56 

57 

58 

59 

630.42 
627.96 

625.33 
622.51 
619.5I 

690.49 

687.79 
684.89 

681.77 
678.42 

755-94 
753-21 
750.27 
747.08 
743.64 

828  IO 
825.68 
823.05 
820.19 
817.10 

908.70 
907.10 
905.36 
903.45 
901.36 

1,000.00 
1,000.00 
1,000.00 
1,000.00 
1,000.00 

60 

616.32 

674.85 

739.96 

813.75 

899.09 

1,000.00 

Comb.4* 


25Yr.End 


404 

Principles  and   Practice 

•  Table  No.  CXL. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL 

ANNUAL  PREMIUMS  TILL 

MATURITY, 

PAYABLE  AT  END  OF  TWENTY-FIYE  YEARS  OR  AT 

DEATH  IF  PRIOR 

,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

22.19 

45.36 

69.55 

94.80 

121. 18 

148.74 

177.52 

207.60 

21 

22.20 

45-37 

69.55 

94.81 

121. 18 

148.73 

I77.50 

207.56 

22 

22.21 

45-38 

69-57 

94.83 

121. 19 

148.73 

177.49 

207.54 

23 

22.21 

45-39 

69.58 

94.84 

I2I.20 

148.73 

177.48 

207.51 

24 

22.22 

45-41 

69.61 

94.86 

121.22 

148.74 

177.48 

207.49 

u 

22.24 

45-43 

69.63 

94.88 

121.24 

148.75 

177.48 

207.48 

22.25 

45.46 

69.67 

94.92 

121.28 

148.79 

177.50 

207.49 

11 

22.27 

45.48 

69.70 

94.96 

121. 31 

148.82 

177.53 

207.52 

22.29 

45-53 

69-75 

95-02 

121.39 

148.89 

177.62 

207.60 

29 

22.32 

45-57 

69.82 

95.IO 

I2I.48 

149.OO 

177.73 

207.73 

30 

22.35 

45.63 

69.90 

95.21 

121. 6l 

I49.!5 

177.90 

207.92 

31 

22.39 

45.71 

70.OI 

95.36 

121.79 

149.36 

178.15 

208.20 

32 

22.43 

45.8o 

70.16 

95.55 

I22.03 

I49-65 

178.48 

208.58 

33 

22.49 

45-93 

70.34 

95-79 

122.34 

150.02 

178.91 

209.09 

34 

22.57 

46.08 

70.57 

96.IO 

122.72 

150.48 

179.46 

209.72 

9 

22.67 

46.27 

70.86 

96.49 

123.21 

151.08 

180.16 

210.51 

22.78 

46.50 

71.21 

96.95 

I23.80 

151.80 

181.OO 

211.42 

11 

22.92 

46.79 

71.64 

97-54 

124-54 

152.68 

181.97 

212.42 

23.O9 

47.12 

72.15 

98.23 

125.39 

I53-65 

183.OO 

213.48 

39 

23.28 

47-52 

72.76 

99.04 

126.35 

154.69 

184.09 

214.55 

40 

23.52 

48.00 

73-47 

99.92 

127.35 

155-77 

185.18 

215.63 

41 

23-79 

48.54 

74-21 

IOO.82 

128.36 

156.82 

186.25 

216.69 

42 

24.09 

49.09 

74-95 

IOI.71 

I29.32 

157.84 

187.29 

217.73 

43 

24-39 

49.60 

75.66 

IO2.53 

130.23 

158.80 

188.29 

218.74 

44 

24.65 

50.10 

76.31 

IO3.29 

131. II 

159.77 

189.30 

219.75 

? 

24.93 

50.57 

76.95 

IO4.08 

132.01 

160.75 

190.33 

22O.79 

25.16 

51-03 

77-59 

104.90 

132.95 

161.78 

I9I-43 

221.90 

47 

25.43 

51.52 

78.30 

105.78 

133.98 

162.91 

192.61 

223.14 

48 

25.71 

52.07 

79.08 

IO6.75 

I35.09 

164.14 

193-94 

224.49 

49 

26.03 

52.66 

79.91 

107.79 

I36.3O 

165.50 

195.38 

225-99 

50 

26.36 

53-30 

80.83 

IO8.93 

137.65 

166.99 

196.99 

227.68 

5i 

26.73 

53-99 

81.82 

I IO.  1 7 

i39.!o 

168.61 

198.75 

229.55 

52 

27.12 

54-74 

82.88 

III. 52 

140.69 

170.43 

200.74 

231.65 

53 

27.54 

55.56 

84.04 

II3.OO 

142.47 

172.44 

202.93 

233.91 

54 

28.02 

56.46 

85.33 

II4.66 

144.44 

174.67 

205.31 

236.38 

55 

28.52 

57.42 

86.74 

H6.47 

146.58 

177.04 

207.86 

239.OI 

1 

25Yr.End. 


Comb.4* 


Of  Life  Insurance. 

405 

Table  No.  CXL. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  TWENTY-FIVE  YEARS  OR  AT 

DEATH  IF  PRIOR 

,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

239.03 

271.89 

306.24 

342.17 

379-75 

419.08 

460.26 

503.38 

21 

238.98 

271.82 

306.15 

342.05 

379.61 

418.92 

460.08 

503.I8 

22 

238.94 

27L75 

306.06 

341.94 

379.48 

418.76 

459.90 

502.98 

23 

238.89 

271.68 

305. 96 

341.82 

379-34 

418.61 

459-73 

502.80 

24 

238.85 

271.62 

305.89 

34L73 

379-22 

418.48 

459.58 

502.64 

25 

238.82 

271.58 

305.83 

341.66 

379- J4 

418.38 

459-47 

502.53 

26 

238.83 

27L57 

305.81 

341.62 

379.10 

418.33 

459.42 

502.48 

11 

238.85 

27L59 

305.83 

341.64 

379-n 

418.35 

459-44 

502.49 

238.93 

271.68 

305.92 

34L73 

379-21 

418.45 

459-54 

502.57 

29 

239.07 

271.83 

306.08 

34I-91 

379-40 

418.65 

459.72 

502.70 

30 

239.29 

272.07 

306.34 

342.20 

379-71 

418.94 

459.96 

502.87 

31 

239.60 

272.42 

306.73 

342.61 

380.11 

419.30 

460.25 

503.05 

32 

240.04 

272.90 

307.25 

343-13 

380.59 

419.71 

460. 56 

503.25 

33 

240.60 

273.52 

307.89 

343-74 

381.14 

420.15 

460.88 

503.45 

34 

241.3I 

274.26 

308.61 

34441 

381.72 

420.62 

461.22 

503.66 

3I 

242.15 

275.O9 

309.41 

345-12 

382.31 

421.09 

461.57 

503.87 

36 

243.07 

276.OO 

310.23 

345.85 

382.93 

421.59 

461.92 

504.07 

37 

244.07 

276.94 

311.09 

346.60 

383.57 

422.09 

462.27 

504-25 

38 

245.09 

277.89 

311-96 

347-37 

384.21 

422.58 

462.61 

504.4I 

39 

246.12 

278.86 

312.84 

348.15 

384.85 

423.07 

462.92 

504-55 

40 

247.16 

279.84 

313.73 

348.92 

385.49 

423.54 

463.22 

504-65 

4i 

248.18 

280.80 

314-61 

349-67 

386.09 

423-99 

463-48 

504-72 

42 

249.19 

281.74 

315.46 

350.40 

386.68 

424.40 

463.70 

504-75 

43 

250.17 

282.67 

316.28 

35i.ii 

387-24 

424.79 

463.91 

504.76 

44 

251.16 

283.59 

317.13 

35I.83 

387.81 

425.20 

464.13 

504.77 

45 

252.18 

284.57 

318.01 

352.60 

388.44 

425.66 

464.39 

504.78 

46 

253-28 

285.62 

318.97 

353.46 

389-16 

426.19 

464.68 

504.80 

% 

254.51 

286.79 

320.09 

354.46 

390.00 

426.82 

465.04 

504-85 

255.86 

288.13 

321.35 

355-61 

390.96 

427-53 

465.46 

504.95 

49 

257.40 

289.64 

322.80 

356.90 

392.04 

428.34 

465.96 

505.08 

50 

259-12 

291.35 

324.39 

358.32 

393-23 

429.24 

466.51 

505.25 

5i 

261.03 

293.21 

326.15 

359-88 

394-54 

430.24 

467.14 

505.45 

52 

263.14 

295.26 

328.05 

361.60 

395.98 

43L34 

467.83 

505.68 

53 

265.42 

297.48 

330.14 

363.46 

397-55 

432.54 

468.59 

505.96 

54 

267.89 

299.88 

332.38 

365.47 

399-25 

433-84 

469.44 

506.32 

55 

270.53 

302.44 

334-78 

367.62 

401.06 

435.25 

470.41 

506.76 

Comb.4* 


25Yr.End 


406 


Principles  and   Practice 


Table  No.  CXL.— Concluded. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  END  OF  TWENTY-FIVE  YEARS  OR  AT 
DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

26 
27 
28 
29 

30 
31 
32 

33 
34 

36 
37 
38 
39 

40 

4i 
.42 

43 
44 

9 

% 

49 

50 

5i 
52 
53 

54 

55 


17th 

Year. 


548.55 
548.34 
548.13 

547-94 
547.78 

547-66 
547-6i 
547.6o 
547-63 
547.69 

547.76 
547.83 
547.91 
547-99 
548.07 

548.13 
548.17 
548.18 

548.17 
548.12 

548.03 
547.90 
547-74 
547-53 
547.29 

547.03 
546.75 
546.49 
546.22 

545-97 

545.71 
545-44 
545-19 
544-97 
544.78 

544.65 


18th 

Year. 


595-90 
595-68 
595-46 
595.27 
595-H 

594-99 
594-91 
594-86 

594-83 
594.8o 

594-77 
594-74 
594-7Q 
594-66 
594.60 

594-52 
594-4Q 
594.26 
594-07 
593-83 

593-56 
593-24 
592.87 
592.43 
59L94 

591.40 
590.82 
590.22 

589.58 
588.93 

588.22 

587.49 
586.74 

585.99 
585.24 

584.50 


19th 

Year. 


645.55 
645.33 
645. 1 1 
644.92 
644.76 

644.62 
644.51 
644.41 
644-30 
644.19 

644.07 
643.94 
643.80 
643-64 
643.45 

643-23 
642.97 
642.67 
642.32 
641.92 

641.48 
640.98 
640.40 

639- 74 
639.00 

638.20 
637.32 
636.40 
635.41 
634-36 

633.23 
632.05 
630.82 
629.54 
628.23 

626.89 


20th 
Year. 


697.63 
697.41 
697.21 
697.02 
696.85 

696.69 
696.54 
696.38 
696.21 
696.03 

695.83 
695.62 
695.38 
695.12 
694.83 

694.49 
694.II 
693.68 
693.20 
692.67 

692.08 
691.41 
690.66 
689.80 
688.85 

687.81 
686.68 
685.48 
684.17 
682.78 

681.29 
679.71 
678.05 
676.29 
674-47 

672.56 


21st 

Year. 


752.29 
752.09 
751.90 
75L72 
75L54 

751.36 
751.17 
750.97 
750.75 
750.52 

750.27 

749-99 
749.69 

749-35 
748.99 

748.57 
748.10 

747-59 
747.02 

746.39 

745.69 
744-90 
744.02 
743-03 
74L93 

740.73 
739-52 
738.01 
736.48 
734.85 

733-IO 
731.22 
729.22 
727.11 
724.87 

722.51 


22d 

Year. 


809.68 
809.51 
809.34 
809.16 
808.98 

808.79 
808.59 
808.37 
808.13 
807.88 

807.61 
807.30 
806.97 
806.61 
8o6.2I 

805.76 
805.27 
804.73 
804.13 
803.46 

802.72 
801.90 
800.97 
799.94 
798.80 

797.56 
796.19 
794-71 
793.II 
791-39 

789.54 
787.54 
785.40 
783.II 
780.67 

778.08 


23d 

Year. 


869.97 
869.84 
869.69 
869.54 
869.38 

869.21 
869.02 
868.83 
868.61 
868.38 

868.12 
867.85 
867.54 
867.21 
866.84 

866.44 
865.99 
865.50 
864.96 
864.36 

863.68 
862.94 
862.11 
861.18 
860.16 

859-04 
857.81 
856.47 
855.03 
853.46 

851.76 
849-93 
847.95 
845.81 
843.51 

841.05 


24th 

Year. 


933-34 
933.26 

933-17 
933-Q7 
932.97 

932.85 
932.73 
932.60 
932.46 
932.30 

932.13 
93L95 
93L75 
93L53 
931.28 

931.02 
930.72 
930.40 
930.04 
929.64 

929.19 
928.70 
928.15 

927.54 
926.86 

926.12 

925-31 
924.42 
923.46 
922.41 

921.27 
920.02 
918.67 
917.20 
915.61 

913.88 


30Yr.End. 


Comb.4* 


Of  Life  Insurance. 


407 


Table  No.  CXLI. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL   PREMIUMS  TILL  MATURITY, 

PAYABLE    AT    END    OF    THIRTY  YEARS   OR  AT 

DEATH  IF  PRIOR.  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

2 

29 

30 
3i 
32 
33 
34 

11 

39 
40 


1st 

Year. 


16.42 
16.44 
16.47 
16.50 
16.54 

16.58 
16.63 
16.68 
16.74 
16.82 

16.89 
I6.99 
17.09 
17.22 
17.37 

17.53 
17.73 
17.96 
18.22 
18.52 

18.87 


2d 

Year. 


33-54 
33-59 
33-64 
33-70 
33-77 

33.84 
33-94 
34-04 
34.16 
34-30 

34-46 
34-64 
34.85 
35-11 
35.41 

35-74 
36.14 
36.61 
37-13 
37-76 

38.46 


3d 

Year. 


51.39 
51.46 
51.53 
51.59 
51.71 

51.84 

51.97 
52.12 
52.29 
52.49 

52-73 
52-99 

53-32 
53-71 
54.16 

54.67 

55.28 

55-99 
56.79 
57-73 

58.78 


4th 

Year. 


70.OO 
70.08 
70.I8 
70.29 
7O.4I 

70.57 
70.72 

70.93 
7I.I6 
71.42 

71-73 
72.08 

72.53 
73-05 
73.65 

74-35 
75-i6 
76.13 
77.21 
78.46 

79.81 


5  th 

Year. 


89.41 
89.51 
89.62 

89.75 
89.9O 

9O.08 
90.28 
9O.52 
90.80 
91.12 

91.52 
9I.98 
92.52 
93.16 

93-93 

94.81 

95.85 
97.06 
98.42 
99-93 

101.53 


6th 

Year. 


IO9.66 
IO9.77 
IO9.89 
IIO.04 
II0.20 

IIO.42 
IIO.65 
IIO.93 
III. 25 
III. 64 

112. II 

112.66 
113.32 
114.10 
115.02 

116. 11 

117.36 
118.82 
120.41 
122.12 

123.92 


7th 

Year. 


130.78 
130.90 

I3L03 
131. 19 

131.37 

131.60 
I3I.87 
132.18 
132.56 
I33.0I 

133.55 
I34.20 

134.97 
135.89 
I36.99 

I38.26 
139-73 
I4L38 
I43-I4 
I45.03 

I46.96 


8th 

Year. 


152.82 

152.94 
I53.08 

I53.24 
153.44 

I53.69 
153.98 
154-33 
154-75 
155.27 

I55.90 
156.64 

157-53 
158.59 
159.86 

l6l. 31 
162.95 
164. 74 
166.64 
168.62 

170.66 


Comb.4* 


30Yr.End. 


408 


Principles  and  Practice 


Table  No.  CXLL— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE    AT    END   OF    THIRTY  YEARS   OR  AT 

DEATH  IF  PRIOR,  COMBINED    EXPERIENCE, 

FOUR  PER  CENT. 


20 
21 
22 

23 

24 

3 

3 

29 

30 
3i 
32 
33 

34 

35 
36 

11 

39 
40 


9th 

Year. 


175.81 

175-93 
176.08 
176.25 
176.45 

176.72 
I77-03 
177.42 
177.89 
178.47 

179.17 
180.02 
181.03 
182.24 
183.66 

185.25 
187.01 
188.89 
190.86 
192.90 

195.04 


10th 

Year. 


I99.8I 

199-93 
20O.O7 
200.24 
200.46 

200.74 
20I.08 
201.50 
202.03 
202.66 

203.45 
204.39 
205.53 
206.88 
208.41 

2I0.08 
2H.9O 
213.83 
215.84 
217.94 

220.I4 


11th 

Year. 


224.86 
224.97 
225.II 
225.28 
225.51 

225.80 
226.16 
226.63 
227.20 
227.9O 

228.77 
229.82 
231.07 
232.50 
234.09 

235.82 
237.64 

239-57 
241.60 

243.73 

245-95 


12th 

Year. 


251.02 
251. II 
25L25 
251.42 
251.65 

251.96 

252.35 
252.85 

253-47 
254.24 

255.I9 
256.34 
257.65 
259.12 
260.73 

262.44 
264.25 
266.17 
268.19 
270.31 

272.53 


13th 

Year. 


278.34 
278.42 

278.55 
278.72 
278.96 

279.28 

279.69 
280.22 
280.90 
281.74 

282.76 
283.96 
285.29 
286.76 
288.33 

29O.OO 
29I.77 
293.65 

295.63 
297.72 

299.9O 


14th 

Year. 


306.88 
306.95 
307.07 
307.24 
307.48 

307.82 
308.25 
308.83 

309.55 
310.45 

3". 51 
312.69 
314-01 

315-42 
316.93 

318.54 
320.25 
322.06 
323-97 
325.99 

328.10 


15th 

Year. 


336.71 
336.77 
336.88 
337-04 
337.29 

337.64 
338.II 
338.72 
339-49 
340.40 

341-44 
342.60 

343.84 
345.17 
346.60 

348.12 
349-74 
351.46 
353-27 
355.18 

357.20 


16th 

Year. 


367.90 
367.94 
368.04 
368.21 
368.46 

368.83 
369.32 
369.96 

370.73 
371.62 

372.61 
373-68 
374.83 
376.06 

377-39 

378.80 
380.30 
381.90 

383.58 
385.37 

387.25 


30Yr.End. 


Comb.4% 


Of  Life  Insurance. 


409 


Table  No.  CXLL— Continued. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE    AT  END   OF   THIRTY  YEARS,   OR  AT 
DEATH,  IF  PRIOR.  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

li 
% 

29 

30 
31 
32 
33 
34 

3 

11 

39 
40 


17th 

Year. 


4OO.52 

400.55 
4OO.64 
4OO.81 
4OI.07 

401.45 
401.96 
402.59 

403-33 
404.16 

405.05 
406.02 
407.06 
408.18 
409.37 

4IO.65 
4I2.0I 

413.45 
414.98 
416.60 

418.32 


18th 

Year. 


434.65 
434.67 
434.75 
434.92 
435-20 

435.58 
436.08 
436.66 

437-33 
438.06 

438.85 
439.69 
440.60 

44L59 
442.63 

443-75 
444-94 
446.21 

447.55 
448.99 

450.53 


19th 

Year. 


470.38 
470.39 
470.47 
470.64 
470.92 

47L28 
471.72 
472.24 
472.80 
473-42 

474.08 

474-79 
475.56 
476.38 
477.26 

478.20 
479.20 
480.27 
481.4I 
482.64 

483.97 


20th 

Year. 


507.80 
507.80 
507.88 
508.05 
508.30 

508.61 
508.98 

509.39 
509.84 
510.32 

510.85 
511.42 
5I2.02 
512.68 
5I3.37 

5i4.II 
514.90 

515.75 
516.68 
517.68 

518.77 


21st 

Year. 


547.OO 
547-OI 
547.08 
547.22 
547.41 

547.65 
547-92 
548.21 

548.54 
548.89 

549-27 
549.69 
550.12 
550.58 
551.09 

551.62 

552.19 

552.82 

553.51 
554-26 

555.05 


22d 

Year. 


588.IO 
588.IO 
588.14 
588.23 
588.35 

588.50 
588.66 
588.84 
589.03 
589.25 

589.48 
589.73 
589.99 
590.27 
590.56 

590.88 
591.24 
591.63 
592.07 
592.53 

593.02 


23d 

Year. 


631.20 
631.17 
631.17 
631.19 
631.23 

631.28 
631.33 
631.39 
631.47 

631.55 

631.63 

631.71 
631.80 
631.89 
631.98 

632.09 
632.23 
632.39 

632.55 
632.72 

632.88 


Comb.4* 


30Yr.End 


4IO 


Principles  and  Practice 


Table  No.  CXLL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CiES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY 

PAYABLE   AT   END   OF    THIRTY   YEARS   OR    AT 

DEATH  IF  PRIOR,  COMBINED   EXPERIENCE, 

FOUR  PER  CENT. 


Agb. 


20 
21 
22 

23 

24 

3 

29 

30 
31 
32 

33 
34 

3 

U 

39 
40 


21th 

Year. 


676.40 

676.33 
676.28 
676.22 
676.18 

676.13 
676.O9 
676.04 
676.OO 
675-94 

675.88 
675.81 
675.73 
675.64 
675.56 

675.47 
675.39 
675.30 
675.20 
675.08 

674.93 


25th 
Year. 


723.81 
723.70 
723.59 
723.48 
723.36 

723.23 
723.IO 
722.96 
722.81 
722.64 

722.45 
722.25 
722.02 
721.79 
721.54 

721.28 
720.99 
720.68 
720.33 
719.9* 

7I9.5I 


26th 

Year. 


773-59 
773-44 
773.29 
773.12 

772.95 

772.76 
772.56 
772.35 
772.11 
771.86 

77L58 
771.27 
770.94 
770.59 
770.21 

769.80 

769.35 
768.86 
768.32 
767.72 

767.05 


27th 

Year. 


825.89 
825.72 
825.54 
825.35 
825.15 

824.94 
824.70 

824.45 
824.17 
823.87 

82^.54 
823.18 
822.79 
822.38 
821.92 

821.43 
820.88 
820.29 
819.63 
818.9I 

8l8. II 


28th 

Year. 


880.90 
880.75 
880.57 
880.40 
88o.2I 

880.OO 
879-78 
879-53 
879.27 
878.98 

878.66 
878.32 
877-95 
877-54 
877.IO 

876.61 
876.08 

875.49 
874.84 

874.13 
873.35 


29th 

Year. 


938.86 
938.75 
938.64 
938.52 
938.39 

938.25 
938.09 

937-93 
937-74 
937-55 

937-33 
937.09 
936.84 
936.55 
936.25 

935-91 
935-53 
935-12 
934-67 
934-17 

933.62 


31>th 

Year. 


I,000.00 
I.OOO.OO 
1,000.00 
I.OOO.OO 
I.OOO.OO 

I.OOO.OO 
1,000.00 
I.OOO.OO 
I.OOO.OO 
1,000.00 

I.OOO.OO 
I,000.00 
I.OOO.OO 
I.OOO.OO 
1,000.00 

I  OOO.OO 
I.OOO.OO 
I.OOO.OO 
I.OOO.OO 
1,000.00 

I.OOO.OO 


35Yr.End. 


Comb.4* 


Of 

Life  Insurance. 

411 

Table  No.  CXLIL 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  THIRTY-FIVE  YEARS  OR  AT 

DEATH 

IF  PRIOR,  COMBINED  EXPERIENCE. 

FOUR  PER  CENT. 

Age. 

1 

i*t 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

12.62 

25.76 

39-45 

53.69 

68.52 

83.96 

IOO.O4     i 

21 

I2.67 

25.86 

39-59 

53.87 

68  75 

84.23 

IOO.36 

22 

12.73 

25.97 

39-75 

54.09 

69.OI 

84-54 

IOO.71 

*3 

12.79 

26.09 

39-93 

54-33 

69.31 

84.89 

IOI.II 

24 

12.86 

26.23 

40.14 

54.61 

6965 

8529 

IOI.56 

2 

12.94 

26.40 

40.38 

54-92 

70.03 

85.74 

I02.08 

13.03 

26.57 

40.64 

55.26 

70.45 

86.24 

IO2.65 

11 

13-13 

26.76 

40.92 

55.63 

70.92 

86.80 

IO3.30 

13-24 

26.98 

41.25 

56.07 

71.46 

87.44 

104.06 

29 

13-36 

27.23 

41.62 

56.56 

72.07 

88.19 

IO4.93 

30 

13.50 

27.50 

42.02 

57.10 

72.76 

89.02 

105  91 

31 

13-65 

27.80 

42.49 

57-73 

73-55 

89.98 

IO7.O4 

32 

13.82 

28.16 

4304 

58.46 

74-47 

91.09 

IO8.34 

33 

14.02 

28.57 

4364 

59.28 

75.51 

92.35 

IO9.84 

34 

14.25 

29.OI 

4432 

60.20 

76.67 

93-77 

"1. 53 

n 

14.50 

29.52 

45-IO 

61.26 

78.01 

95.41 

"3-47 

14.78 

30.II 

45-99 

62.45 

79-54 

97.26 

115.64 

11 

15. II 

30.76 

46.98 

63.81 

81.26 

99-34 

118.04 

15.46 

31.48 

48.10 

65-32 

'  83.16 

101.60 

120.59 

39 

15.87 

32.31 

49.36 

67.01 

85.24 

104.01 

123.30 

40 

16.33 

33-25 

50.76 

68.84 

87.44 

106.55 

126.11 

41 

16.84 

34.26 

52.23 

70.72 

89.71 

109.13 

128.99 

42 

17.38 

35.31 

53-75 

72.66 

92.00 

in. 76 

131-94 

43 

17.93 

36.37 

55.26 

74.58 

94.30 

114.45 

134.96 

44 

18.47 

37.42 

56.76 

76.50 

96.63 

117. 16 

138.06 

9 

19.03 

38.46 

58.27 

78.47 

9905 

119.99 

141.29 

19.56 

39-50 

59.82 

80.52 

101.56 

122.95 

144.66 

% 

20.13 

40.63 

61.49 

82.70 

104.24 

126.09 

148.24 

20.72 

41.81 

63.23 

84.98 

107.04 

129.38 

152.02 

49 

21.36 

43.04 

65.08 

87.40 

110.00 

132.88 

156.00 

50 

22.02 

44.37 

67.01 

89.92 

113. 11 

136.54 

160.19 

Comb.4% 


35Yr.End 


412 

Principles  and   Practice 

Table  No.  CXLII. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  THIRTY-FIVE  YEARS,  OR  AT 

DEATH,  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR   PER  CENT. 

8th 

9th 

10th 

11th 

12th 

13th 

14th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

II6.80 

134-25 

152.43 

I7L37 

191. II 

211.68 

233.13 

21 

117.14 

134-61 

152.82 

171.80 

I9L55 

212.14 

233.62 

22 

117.54 

I35-05 

I53.29 

172.29 

I92.07 

2I2.70 

234.19 

23 

II7.98 

135-54 

153.82 

172.86 

I92.68 

213-34 

234-88 

24 

H8.49 

I36.IO 

154-43 

173.52 

I93.4O 

2i4.II 

235-69 

25 

II9.07 

136.74 

155.14 

174.29 

194.23 

215.01 

236.66 

26 

II9.71 

137.46 

155-95 

175.18 

I95.20 

216.05 

237.79 

11 

120.47 

138.32 

156.88 

176.21 

196.33 

217.29 

239.12 

121.33 

139.29 

157-97 

177.41 

I97.65 

218.73 

240.69 

29 

122.33 

140.42 

15923 

178.81 

I99.I9 

220.4I 

242.50 

30 

123.46 

141.70 

160.68 

180.42 

200.97 

222.34 

244-54 

31 

124.77 

143.19 

162.36 

182.29 

203.02 

224.52 

246.81 

32 

126.28 

144.92 

164.30 

184.43 

205.31 

226.93 

249.29 

33 

I28.0I 

146.89 

166.50 

186.82 

207.84 

229.56 

251.95 

34 

129.97 

I49. 1 1 

168.94 

189.43 

210.58 

232.36 

254.80 

P 

132.20 

151.59 

171. 61 

I92.26 

2I3.50 

235.35 

257.83 

134.66 

154.28 

174-49 

195-26 

2l6.6l 

238.54 

261.08 

11 

137.31 

I57.I6 

177-53 

I98.44 

219.90 

241.92 

264.52 

I40.I3 

160.17 

180.72 

201.79 

223. 38 

245.50 

268.17 

39 

I43.07 

163.33 

184.07 

205.31 

227.04 

249.28 

272.02 

40 

146.14 

166.63 

187.58 

209.OO 

230.88 

253-24 

276.07 

41 

149.29 

170.03 

191.22 

212.84 

234.89 

257-38 

280.32 

42 

152.54 

173.56 

194.99 

216.82 

239.05 

261.71 

284.77 

43 

155.88 

177.19 

198.89 

220.94 

243.40 

266.22 

289.41 

44 

159.33 

180.96 

202.93 

225.26 

247.93 

270.94 

294.32 

9 

162.93 

184.89 

207.19 

229.79 

252.71 

275.96 

299.52 

166.69 

189.02 

211.65 

234-57 

257.78 

281.27 

305.04 

11 

170.70 

193.42 

216.40 

239.66 

263.17 

286.93 

310.87 

174.90 

I98.05 

221.44 

245.06 

268.9O 

292.89 

317.02 

49 

179.36 

202.96 

226.78 

250.78 

274.9I 

299.I5 

323.45 

50 

184.07 

208.15 

232.40 

256.76 

28I.20 

305.67 

330.16 



35Yr.End. 


Comb.4* 


OF 

IylFK      . 

Insurance. 

413 

Table  No.  CXLIL—  Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PRExMIUiMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  THIRTY-FIVE  YEARS,  OR  AT 

DEATH,  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR    PER  CENT. 

Age. 
20 

15th 

16th 

17  th          18th 

19th 

30th 

21st 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

255-50 

278.85 

303.21 

328.66 

355.24 

383.02 

412.08 

21 

256.OI 

279-37 

303.75 

329.21 

355.81 

383.62 

412.68 

22 

256.61 

280.00 

304.4I 

329.90 

356.53 

384.36 

413.44 

23 

257-34 

280.76 

305.21 

330.74 

357.41 

385-27 

414.35 

24 

258.20 

281.68 

j   306.18 

33L77 

358.48 

386.34 

415.38 

11 

25Q-23 

282.78 

307.35 

332.99 

359.72 

387-56 

416.54 

260.45 

284.08 

308.73 

334.40 

36l. II 

388.91 

417.80 

% 

261.89 

285.61 

310.30 

335.98 

362.67 

390.38 

419.17 

263.56 

287.35 

312.06 

337-73 

364.34 

391-97 

420.65 

29 

265.46 

289.29 

3I4-OI 

339.62 

366.16 

393.69 

422.26 

30 

267.57 

291.42 

3i6.II 

341.66 

368.12 

395.55 

424.OO 

31 

269.88 

293-72 

318.37 

343-86 

370.25 

397-57 

425.89 

32 

272.37 

296.20 

320.81 

346.24 

372.54 

399-75 

427.92 

33 

275-04 

298.86 

323.44 

348.81 

375-OI 

402.10 

430.II 

34 

277.90 

301.72 

326.26 

351.56 

377.67 

404.62 

432.49 

35 

280.97 

304.77 

329.28 

354.51 

380.52 

407.35 

435-05 

36 

284.24 

308.04 

332-51 

357.67 

383.58 

410.27 

437-81 

37 

287.72 

3II-5I 

335-94 

361.05 

386.85 

413.41 

440.79 

38 

291.40 

315-20 

339-6i 

364.64 

390.35 

416.78 

444.OO 

39 

295.29 

319.11 

343-49 

368.47 

394.09 

420.40 

447-45 

40 

299.40 

323.24 

347.6i 

372.55 

398.09 

424.28 

45LI2 

41 

303.72 

327.59 

35L97 

376.88 

402.34 

428.37 

455.00 

42 

308.25 

332.19 

356.59 

381.47 

406.82 

432.68 

459-07 

43 

313.02 

337.03 

361.45 

386.28 

411.52 

437-20 

463.36 

44 

318.05 

342.15 

366.57 

391-34 

416.46 

44L95 

4-67.86 

45 

323.40 

347-55 

37I-98 

396.68 

421.67 

446.96 

472.60 

46 

329.03 

353.24 

377-66 

402.30 

427.15 

452.24 

477.60 

47 

334  99 

359-25 

383.67 

408.23 

432.93 

457.8o 

482.86 

48 

34L25 

305.57 

389.98 

414.45 

439.OO 

463.64 

488.41 

49 

347.81 

372.18 

396.57 

420.96 

445-34 

469.75 

494.25 

50 

354.63 

379.05 

403.42 

427.71 

45L94 

476.15 

500.36 

Comb.4* 


35Yr.End. 


414 

Principles  and   Practice 

Table  No.  CXLIL— Continued.                                     \ 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  THIRTY-FIVE  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

22d 

23d 

24th 

25th 

26tli 

27th 

28th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

442.46 

474.26 

507.5I 

542.28 

578.65 

616.69 

656.54 

21 

443.08 

474.85 

508.05 

542.74 

579-00 

616.94 

656.68 

22 

443.82 

475-54 

508.67 

543.25 

579-40 

617.21 

656.83 

23 

444.68 

476.33 

509.34 

543.81 

579.83 

617.52 

657.OI 

24 

445.66 

477-20 

510.09 

544.43 

580.31 

617.86 

657.21 

11 

446.71 

478.14 

5I0.9I 

545-IO 

580.84 

618.23 

657.42 

447.86 

479.16 

511.79 

545-84 

581.41 

618.63 

657.65 

3 

449.II 

480.28 

512.76 

546.64 

582.03 

619.07 

657.91 

450.47 

481.49 

5I3.80 

547.5o 

582.70 

6I9.55 

658.19 

29 

45L94 

482.80 

514-94 

548.44 

583.44 

620.07 

658.50 

30 

453.53 

484.23 

516.16 

549-47 

584.25 

620.65 

658.86 

31 

455-26 

4S5.77 

5I7-5I 

550.59 

585.13 

621.30 

659.28 

32 

457-12 

487.44 

518.97 

55i.8i 

586.12 

622.04 

659.76 

33 

459-15 

489.26 

520.56 

553.17 

587.22 

622.87 

660.29 

34 

461.33 

491.24 

522.31 

554-66 

588.44 

623.77 

660.88 

H 

463.70 

493-39 

524.22 

556.31 

589.76 

624.77 

661.52 

466.27 

495-74 

526.32 

558.09 

591.21 

625.84 

662.22 

3 

469.06 

498.29 

528.57 

560.01 

592-75 

627.00 

662.96 

472.06 

501.03 

530.99 

562.06 

594-42 

628.23 

663.76 

39 

475.27 

503.95 

533.56 

564.26 

596.18 

629.54 

664.59 

40 

478.69 

507.04 

536.30 

566.58 

598.05 

630.92 

665.46 

4* 

482.29 

510.32 

539.19 

569-03 

600.01 

632.36 

666.37 

42 

486.08 

5I3.76 

542.22 

57i.6o 

602.07 

633-87 

667.32 

43 

490.06 

517.37 

545.40 

574-28 

604.22 

635.46 

668.33 

44 

494.23 

521.16 

548.73 

577-n 

606.50 

637.16 

669.40 

:§ 

498.64 

525-I5 

552.26 

580.13 

608.95 

638.99 

670.58 

503.28 

529-38 

556.02 

583-35 

611.58 

640.97 

671.89 

47 

508.19 

533-88 

560.04 

586.82 

614.43 

643.16 

673.36 

48 

513-39 

538.65 

564.32 

590-54 

617-53 

645.56 

675.OI 

49 

518.87 

543-71 

568.88 

594-53 

620.86     648.17 

676.85 

50 

524.64 

549.05 

573.71 

598.78 

624.45 

651.03 

678.89 

35Yr.End. 


Comb.4% 


Of  Life;   Insurance. 

415 

Table 

No.  CXLIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  THIRTY-FIVE  YEARS,  OR  AT 

DEATH 

IF  PRIOR,  COMBINED  EXPERIENCE 

FOUR  PER  CENT. 

Age. 
20 

29th 

30th 

31st 

32cl 

33d 

34th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

698.32 

742.20 

788.33 

836.93 

888.23 

942.48 

21 

698.36 

742.14 

788.20 

836.75 

888.04 

942.35 

22 

698.40 

742.08 

788.06 

836.56 

887.85 

942.21 

23 

698.45 

742.02 

787.91 

836.36 

887.64 

942.06 

24 

698.51 

74I.96 

787.75 

836.14 

887.4I 

941.90 

u 

698.58 

741.89 

787.58 

835.90 

887.16 

941.72 

698.65 

741.82 

787.39 

835.64 

886.89 

94L53 

27 

698.73 

•     74L74 

787.19 

835.36 

886.60 

941.32 

28 

698.82 

741.67 

786.98 

835.07 

886.29 

94I.O9 

29 

698.94 

74I.6I 

786.77 

834.76 

885.95 

94O.84 

30 

699.O9 

741.56 

786.55 

834.42 

885.59 

940.57 

31 

699.27 

74L5I 

786.32 

834.06 

885.19 

940.27 

32 

699.48 

741.48 

786.07 

833.67 

884.76 

939-95 

33 

699.72 

74L44 

785.81 

833.25 

884.29 

939.60 

34 

699.99 

741.42 

785.53 

832.79 

883.78 

939.22 

ii 

700.29 

74L39 

785.23 

832.3C 

88323 

93?  80 

700.61 

74L35 

784.89 

831.75 

882.61 

938.34 

11 

700.95 

741-31 

784.52 

831.15 

881.95 

937.84 

701.30 

74L25 

784.II 

830.50 

881.23 

937.29 

39 

701.66 

741.17 

783.66 

829.79 

880.44 

936.69 

40 

702.03 

74I.07 

783.16 

829.OI 

879-57 

936.04 

4i 

702.41 

740.96 

782.62 

828.17 

878.62 

935.32 

42 

702.81 

740.82 

782.02 

827.25 

877.60 

934-53 

43 

703.22 

740.67 

781.38 

826.25 

876.47 

933.67 

44 

703-67 

740.53 

780.70 

825.18 

875.27 

932.74 

45 

704.19 

740.40 

780.OO 

824.06 

873.98 

931.72 

46 

704.80 

740.32 

779-31 

822.88 

872.60 

930.63 

11 

705.53 

740.32 

778.63 

821.67 

87I.I4 

929.45 

706.40 

740.40 

777.96 

820.40 

869.59 

928.19 

49 

707.41 

740.55 

777-31 

819.09 

867.96 

926.83 

50 

708.55 

740.79 

776.67 

817.75 

866.24 

925.38 

Comb.4* 


40Yr.End 


416 

Principles  and   Practice 

Table  No. 

CXLIII 

TERMINAL  NET  VALUES  PER  $ 

1000  OF  ENDOWMENT  POLI- 

CIES  BY 

EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE 

AT    END  OF 

FORTY  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER 

CENT. 

1st 

2d 

3d 

4  th 

ttth 

6th 

rth 

8th 

20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

IO.O9 

20.58 

3I.48 

42.80 

54-57 

66.80 

79-52 

92.74 

21 

IO.17 

20.74 

31-71 

43." 

54-97 

67.2S 

80.07 

93-37 

22 

IO.26 

20.93 

31.98 

43-47 

5'5.4I 

67.81 

80.69 

94.07 

23 

IO.36 

21. II 

32.28 

43.87 

55.91 

68.4I 

81.38 

94.86 

24 

I0.47 

21-33 

32.61 

44.31 

56.46 

69.06 

82.15 

95-73 

u 

IO.59 

21-57 

32.98 

44.80 

57.07 

69.80 

83.00 

96.70 

IO.73 

21.84 

33-38 

45.34 

57-74 

70.61 

83.94 

97.78 

27 

IO.88 

22.14 

33-83 

45-94 

58.50 

71.51 

85.01 

99.OI 

28 

II.04 

22.48 

34-33 

46.61 

59-33 

72.51 

86.20 

IOO.38 

29 

11.22 

22.84 

34-88 

47.35 

60.26 

73.65 

87-53 

IOI.9I 

30 

II.42 

23.24 

35.48 

48.16 

61.29 

74.90 

89.00 

IO3.63 

31 

II.64 

23.68 

36.15 

49.07 

62.45 

76.31 

90.67 

IO5.56 

32 

11.88 

24.18 

36.91 

50.10 

63.74 

77.89 

92.54 

I07.73 

33 

12.16 

24.74 

37-75 

51.23 

65.19 

79.64 

94.62 

IIO.15 

34 

12.46 

25-35 

38.69 

52.50 

66.80 

8l.6o 

96.95 

112.86 

IS 

12.79 

26.03 

39-73 

53.90 

68.58 

83.80 

99-55 

115.86 

13.16 

26.79 

40.89 

55.47 

70.58 

86.23 

102.43 

119.14 

3 

13-58 

27.62 

42.15 

57.20 

72.78 

88.90 

105.53 

122.62 

14.03 

28.54 

43-57 

59-12 

75-21 

9I.78 

108.83 

126.31 

39 

14.53 

29-57 

45-13 

61.22 

77-80 

94.84 

112.30 

130.14 

40 

15.09 

30.70 

46.83 

63.46 

80.53 

98.02 

115.89 

134.11 

4i 

15.69 

31.90 

48.61 

65.76 

83-33 

IOI.26 

H9-54 

138.17 

42 

16.33 

33-15 

50.42 

68.11 

86.15 

I04.54 

123.27 

142.33 

43 

16.98 

34-40 

52.24 

70.44 

88.98 

IO7.86 

127.07 

146.59 

44 

17.62 

35.65 

54-04 

72.77 

91.84 

III. 24 

130.93 

150.94 

45 

18.27 

36.89 

55.86 

75.16 

94-77 

II4.72 

134-95 

155.44 

40Yr.End. 


Comb.4% 


Of  Lifk  Insurance. 


4i7 


Table  No.  CXLIIL— Continued. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 
CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL   MATUR- 
ITY, PAYABLE  AT  END  OF  FORTY  YEARS  OR  AT 
DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age 


20 
21 
22 

23 

24 

2 

% 

29 

30 
31 
32 
33 

34 

$ 

11 

39 

40 

4i 
42 
43 
44 

45 


9th 

Year. 


106.49 
IO7.I9 
IO7.97 
IO8.85 
IO9.82 

IIO.92 
112. 15 
113.53 
II5-09 
II6.84 

118.79 
I2O.99 
123.48 
126.25 
129.23 

I32.70 
136.32 
I40.I5 
144.17 
148.35 

152.68 

157.14 
161.72 
166.40 
171. 21 

I76.I8 


lOth 

Year. 


120.77 
121.54 
122.41 

123.37 
124.46 

125.68 
127.05 
128.60 

130.35 
132.32 

134.52 
I37-OI 
139.82 
142.93 
146.34 

150.03 
153.96 
158.08 
162.41 
166.91 

171.60 

176.43 
181.40 
186.50 
I91.74 

197.17 


11th 

Year. 


135.62 
136.47 
137-41 
138.47 
I39.67 

141.02 

142.54 
144.26 
146.20 
148.38 

150.86 
I53.64 
156.74 
160.16 
163.86 

167.82 
172.OI 
176.41 
181.02 

185.84 

I9O.85 
196.04 
201.37 
206.84 
212.52 

218.38 


12th 

Year. 


151.07 
151.98 
I53-00 
I54-I6 
I55.46 

156.94 
158.62 
160.51 
162.65 
165.07 

167.81 
170.87 

174-25 
177.92 

181.87 

186.05 
190.47 
195.12 
200.0I 
205.II 

210.43 

215-94 
221.62 
227.48 
233.52 

239.79 


13  th 

Year. 


167.13 
168. II 
169.21 
170.46 

171.88 

173-49 

175.32 
177-39 
179-74 
182.40 

185.39 
188.70 
192.30 
196.19 
200.32 

204. 70 
209.34 
214.22 
219.36 
224.73 

230.33 
236.13 
242.14 
248.33 
254-73 

261.40 


14th 

Year. 


183.84 
184.89 
186.07 
187.41 
188.95 

I9O.69 
192.68 
I94.94 
I97.50 
200.39 

203.59 
207.09 
2I0.88 
214.92 
219.22 

223.78 
228.61 

233-71 
239.07 
244.68 

250.52 
256.61 
262.9O 
269.41 
276.17 

283.20 


15th 

Year. 


201.24 
202.34 
203.61 
205.05 
206.70 

208.58 
210.73 
2I3.I8 

215.95 
219.02 

222.39 
226.04 
229.95 
234-13 

238.57 

243.30 
248.30 

253.58 

259-!3 
264.94 

271.02 

277-35 
283.91 
290.72 
297.79 

305.15 


16th 

Year. 


219.34 
220.51 
221.86 

223.40 

225.17 

227.20 
229.51 
232.14 

235.07 
238.28 

241.77 
245.52 
249.53 

253.82 

258.39 

263.25 
268.39 
273.82 

279.53 
285.54 

291.81 

298.35 

305.16 

312.24 
319.59 

327.20 


Comb.4% 


40Yr.End. 


418 

Principles  and  Practice 

Table  No 

.  CXLIIL—  Continued. 

TERMINAL  NET  VALUES  PER  $ 

1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL 

ANNUAL  PREMIUMS  TILL 

MATURITY, 

PAYABLE    AT    END 

OF    FORTY    YEARS 

OR    AT 

DEATH  IF 

PRIOR 

.,  COMBINED  EXPERIENCE, 

FOUR    PER 

CENT. 

Age. 

17th 

Year. 

18th 

Year. 

19th 

Year. 

20th 

Year. 

21st 

Year. 

22d 

Year. 

23d 

Year. 

24th 

Year. 

20 
21 
22 

23 

24 

238.19 
23944 
240.86 
242.51 
244.40 

257.84 
259- J4 
260.66 
262.4I 
264.42 

278.30 
279.68 
281.29 
283.14 
285.27 

299.65 
30I.IO 
302.79 

304.73 
306.93 

321.91 
323-43 
325.19 
327.19 
329.42 

345-14 
346.72 
348.52 
350.53 
352.74 

369.38 
370.98 
372.77 
374-75 
376.9O 

394.65 
396.23 
397.98 
399-88 
4OI.95 

3 

29 

246.57 
249.04 
251.80 

254.84 
258.15 

266.73 
269.3I 
272.16 

275.27 
278.62 

287.66 
29O.3I 
293.21 
296.33 
299.70 

309.37 
312.04 

3M-93 
318.05 
321.42 

331.86 
334-51 
337.37 
340.46 
343.80 

355.14 

357-74 
360. 54 
363.58 
366.86 

379-23 
381.76 
384.49 

387.45 
390.64 

404.19 
406.62 
409.25 
4I2.IO 
4I5.I7 

30 
31 
32 

33 

34 

261.71 

265.53 
269.62 
274.OO 
278.67 

282.23 
286.IO 
29O.25 
294.69 
299.42 

303-33 
307-23 
311-41 
315.88 
320.65 

325-04 
328.94 
333-12 
337-59 
342  36 

347-39 
35L25 
355-40 
359-84 
364.59 

370.39 
374-19 

378.27 
382.66 
387.34 

394.08 
397.78 
401.78 
406.06 
4IO.65 

41S.49 
422.08 

425-94 
430.09 

434-57 

IS 

39 

283.63 
288.89 

294-44 
3OO.29 
306.44 

304  45 
309.79 
315.44 
321.40 
327.67 

325.72 
331.12 
336.83 
342.85 
349.22 

347-45 
35286 
358.60 
364.68 
371." 

369.66 

375.05 
380.79 
386.89 
393-33 

392.35 
397-71 
403.42 

409.47 
415.86 

415.58 
420.86 
426.49 
432-43 
438.70 

439-37 
444.52 
449-99 
455-77 
461.86 

40 

4* 
42 

43 
44 

312.88 

319-63 
326.65 

333-95 
341.51 

334  26 
34i-i6 
348  36 

355-81 
363  52 

355-93 
362.95 
370.24 
377-79 
385.59 

377-88 

384.94 
392.28 
399-86 
407.71 

400.09 
407.14 

414.45 
422.03 

429.85 

422.55 
429.52 

436.77 
444.26 

451.99 

445.26 
452.II 
459-21 
466.55 
474  14 

468.24 
474.89 
481.78 
488.92 
496.28 

45 

349-33 

371.48 

393-65 

415.80 

437,91 

459.96 

481.95 

503.88 

40Yr.End. 


Comb.4% 


Of  Life  Insurance. 

419 

Table  No.  CXLIIL— Continued. 

TERMINAL  NET  VALUES  PER  $iooo  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  END  OF  FORTY  YEARS  OR  AT  DEATH 

IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

25th 

Year. 

26th 

Year. 

27th 

Year. 

28th 

Year. 

29th 

Year. 

SOth 

Year. 

31st 

Year. 

32d 

Year. 

20 
21 
22 
23 

24 

420.97 
422.50 
424.16 
425.96 
427.92 

448.38 
449.80 
451.36 
453-04 
454-88 

476.90 
478.21 
479.64 
481.I9 

482.88 

506.62 

507.79 
509.08 
510.48 
5I2.0I 

■537-59 
538.63 
539-75 
540.98 
542.32 

569.92 
570.80 
57L76 
572.80 
573-93 

603.71 
604.42 
605.19 
606.03 
606.96 

639.06 

639-59 
640.18 
640.82 
641.52 

11 
% 

29 

430.05 
432.36 
434-87 
437-57 
440.50 

456.88 
459.04 
461.39 
463-93 
466.69 

484.72 
486.72 
488.88 
491.24 
493.80 

513.66 
5I5.46 
517.43 
5I9.57 
521.89 

543.78 
545-37 
547-H 
549.01 

55L09 

575.18 
576.54 
578.03 
579.68 
581.50 

607.98 
609.09 
610.33 
6ll. 71 
613.24 

642.30 
643.17 
644.15 
645-24 
646.45 

30 
3i 
32 
33 

34 

443.67 
447.IO 
450.80 
454- 80 
459.12 

469.68 
472.92 
476.43 
480.24 
484.36 

496.57 
499.60 
502.9O 
506.48 
510.32 

524.45 
527.23 
530.27 

533-55 
537-08 

553.39 
555-90 
558.62 
.561.56 
564.72 

583-50 
585.69 
588.06 
59°- 61 
593-37 

614.9I 
616.74 
618.71 
620.86 
623.16 

647.77 
649.21 
650.77 
652.47 
654.29 

!i 

37 
38 
39 

463.76 
468.71 
473-97 
479-52 
485.37 

488.76 
493.46 
498.45 
503.72 
509.26 

514.44 

518.83 

523-49 
528.41 
533.58 

540.85 

544.88 

549- 1 5 
553.66 

558.41 

568.10 
57I-7I 

575-54 
579-58 
583.84 

596.3i 
599-45 
602.78 
606.30 
610.01 

625.62 
628.25 
631.03 
633-98 
637.12 

656.24 
658.31 
660.52 
662.88 
665.39 

40 

4i 
42 

43 
44 

491.50 

497-88 

504.51 
511.36 

518.45 

515.07 
521.13 
527.42 
533-93 
540.70 

539-OI 
544-67 
550.56 
556.69 
563.06 

563.39 
568.59 
574.04 
579-71 
585.62 

588.31 
593.02 
597-94 
603.09 
608.47 

6i3.94 
618.07 
622.42 
626.97 
631.77 

640.44 
643-95 
647.65 
651.56 
655.68 

668.06 
670.89 

673.90 
677.IO 
680.49 

45 

525.80 

547.72 

569.69 

59L79 

614.12 

636.81 

660.05 

684.II 

Comb.4% 


40Yr.End 


420 

Principles 

and  Practice 

1 

Table  No.  CXLIIL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY 

PAYABLE    AT 

END    OF     FORTY      YEARS    OR    AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

33d 

:j  it  11 

35th 

36th 

37th 

3  Nth 

39th 

Year. 

Ye  r. 

Ye~r. 

\  ear. 

Year. 

Year. 

Year 

20 

676.12 

71502 

755-97 

799.17 

844.85 

893.32 

944.90 

21 

676.47 

715.22 

756.01 

799-07 

844.67 

893.II 

944-74 

22 

676.87 

715.43 

756.05 

798.98 

844.48 

892.89 

944-57 

23 

677-30 

715.66 

756.11 

798.89 

844.29 

892.65 

944.38 

24 

677.79 

715.94 

756.20 

798.81 

844.09 

892.39 

944.18 

3 

678.34 

716.26 

756  31 

798.73 

843.87 

892  12 

943.96 

678.96 

716.64 

756.44 

798.66 

843.64 

89I.82 

943.72 

3 

679.66 

7I7.06 

756.60 

798.59 

843.40 

89I.50 

943.47 

680.45 

717.54 

756.78 

798.52 

843.14 

89I.16 

943-19 

29 

681.31 

718.07 

757-00 

798.45 

842.87 

89O.79 

942.88 

30 

682.27 

718.66 

757-24 

798.39 

842.58 

89O.38 

942-55 

31 

683.31 

719.3O 

757-51 

798.33 

842.26 

889.95 

942.19 

32 

684.45 

720.0I 

757-80 

798.25 

841.92 

889.48 

941.80 

33 

685.67 

720.77 

758.12 

798.18 

841.55 

888.97 

941.38 

34 

687.OO 

72L59 

758.46 

798.II 

841.16 

888.42 

940.92 

it 

688.4I 

722.46 

758.83 

798.03 

840.74 

887.83 

940.42 

689.92 

723.42 

759-24 

797.96 

840.29 

887.I9 

939-88 

37 

69I.54 

724.44 

759-69 

797.89 

839.82 

886.5O 

939-30 

38 

693.27 

725.54 

760.18 

797-82 

839.31 

885.76 

938.66 

39 

695-I3 

726.73 

760.71 

797.76 

838.77 

884.97 

937-97 

40 

697.II 

728.OI 

761.31 

797.72 

838.23 

884.13 

937-22 

4i 

699.23 

729.4O 

761.96 

797.70 

837.65 

883.22 

936.41 

42 

70I.50 

73O.89 

762.69 

797.70 

837.03 

882.24 

935-53 

43 

703-93 

732.52 

763.50 

797.72 

836.38 

88I.20 

934-58 

44 

706.53 

734-28 

764.38 

797.76 

835.71 

880.08 

933-55 

45 

u 

709.32 

736.17 

765.36 

797.84 

835.03 

878.92 

932.45 

10Pay.15Yr.End.  Comb. 


Of  Life  Insurance. 

421 

Table  No.  CXLIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL    \ 

CIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 

END  OF  FIFTEEN   YEARS  OR  AT  DEATH  IF  PRIOR, 

COMBINED  EXPERIENCE.  FOUR  PER  CENT. 

i 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

9th 

Year. 
66.49 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year,    j 

20 

136.06 

208.88 

285.13 

364.97 

448.56 

536.13 

627.90 

724.05   ! 

21 

66.47 

136.04 

208.85 

285.08 

364.90 

448.50 

536.09 

627.85 

724.04  ; 

22 

66.46 

I36.OI 

208.81 

285.13 

364.85 

448.46 

536.05 

627.84 

724.06    ! 

23 

66.44 

135.98 

208.78 

284.99 

364.81 

448.42 

536.02 

627.83 

724.07    j 

24 

66.42 

135.95 

208.72 

284.93 

364.74 

448.35 

535.95 

627.78 

724.07  ; 

25 

66.42 

135.92 

208.69 

284.89 

364.69 

448.31 

535-93 

627.77 

724.10 

26 

66.40 

I35-90 

208.65 

284.84 

364.64 

448.25 

535-88 

627.75 

724.11 

% 

66.38 

135-86 

208.60 

284.78 

364.57 

448.18 

535.83 

627.73 

724.11 

66.35 

I35.80 

208.52 

284.68 

364.47 

448.09 

535-75 

627.68 

724.13  1 

29 

66.34 

135.77 

208.47 

284.63 

364.40 

448.02 

535-69 

627.65 

724. 1 5 ; 

30 

66.32 

135.72 

208.40 

284.54 

364.30 

447-93 

535-62 

627.61 

724 15 

31 

66.28 

135.67 

208.33 

284.44 

364.21 

447-83 

535-53 

627.56 

724.16 

32 

66.25 

I35.60 

208.24 

284.34 

364.09 

447-73 

535.46 

627.52 

724.20 

33 

66.22 

135.56 

208.18 

284.27 

364-03 

447-67 

535.42 

627.53 

724.26 

34 

66.20 

135.51 

208.I2 

284.20 

363.96 

447.62 

535.40 

627.54 

724-34 

* 

66.17 

135.49 

208.05 

284.14 

363.91 

447-59 

535.41 

627.61 

724.48 ! 

66.16 

135-44 

208.03 

284.II 

363.90 

447.61 

535-47 

627.72 

724.62 

11 

66.15 

135-44 

208.03 

284.14 

363.96 

447.70 

535.58 

627.84 

724.79  i 

66.15 

135-44 

208.06 

284.19 

364.02 

447.68 

535-66 

627.95 

/24-94  ; 

39 

66.17 

I35-50 

208.15 

284.31 

364.17 

447.91 

535.79 

628.08 

725.13 

40 

66.22 

135-59 

208.28 

284.46 

364.27 

448.00 

535-86 

628.17 

725.28 

41 

66.31 

135-72 

208.44 

284.61 

364.43 

448.11 

535.96 

628.30 

725.49 

42 

66.37 

135.84 

208.56 

284.71 

364.48 

448.14 

535-99 

628.38 

725.68 

43 

66.42 

135-90 

208.60 

284.68 

3644I 

447-99 

535-88 

628.32 

725.84 

44 

66.46 

135.94 

208.60 

284.65 

364-35 

447-93 

535.89 

628.42 

726.01 

45 

66.47 

135.94 

208.54 

284.54 

364.22 

447-86 

535.8o 

628.43 

726.21 

46 

66.43 

135.83 

208.37 

284.36 

364.02 

447-66 

535.65 

628.40 

726.39 

% 

66.39 

135-73 

208.24 

284.17 

363.80 

447-44 

535-48 

628.34 

726.56 

66.34 

I35.63 

208.09 

283.97 

363.56 

447.20 

535-30 

638.31 

726.78 

49 

66.29 

135.52 

207.9O 

283.72 

363.26 

446.90 

535-o6 

628.24 

726.99 

50 

66.24 

135-34 

207.71 

283.45 

362.97 

446.62 

534.85 

628.19 

727.24 

5i 

66.17 

135.25 

207.49 

283.18 

362.65 

446.30 

534-62 

628.16 

727.54 

52 

66.10 

135.09 

207.25 

282.86 

362.29 

445.98 

534-40 

628.12 

727.85 

53 

66.01 

134.93 

206.99 

282.52 

361.92 

445.62 

534.13 

628.06 

728.16 

54 

65-94 

134.76 

206.72 

282.19 

361.59 

445.32 

533.92 

628.07 

728.41 

55 

65.85 

134-57 

206  45 

281.86 

361.18 

444.87 

533-55 

i 

627.91 

728.87 

Comb.4*  10Pay.20Yr.End 


422 


Principles  and   Practice 


Table  No.  CXLV. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 

END  OF  TWENTY  YEARS  OR  AT  DEATH  IF  PRIOR, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

3d 

3d 

4  th 

5th 

6th 

7th 

8th 

9th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 
603.40 

20 

55-47 

"3.49 

174.23 

237.79 

304.32 

373.98 

446.93 

523.35 

21 

55-48 

113.52 

174-26 

237  83 

304.38 

374-06 

447.04 

523.49 

663.58 

22 

55-43 

113.54 

174-28 

237.87 

304.43 

374.14 

447.14 

523-63 

603.78 

23 

55-49 

H3-55 

I743I 

237.91 

304-50 

374.22 

447.26 

523-77 

603.97 

24 

55-50 

113.57 

174-34 

237.95 

304.55 

374-30 

447.36 

523  91 

604. 14 

% 

55.52 

113.59 

174-37 

238.OI 

304.62 

374.40 

447-48 

524.07 

604. 36 

55.52 

113.62 

174.42 

238.06 

304.70 

374-50 

447.62 

524.25 

604.60 

% 

55-54 

113.64 

174.46 

238.II 

304.77 

374-59 

447.75 

524.44 

604.84 

55-55 

113.67 

I74.50 

238.17 

304.86 

374.71 

447.91 

524.65 

605.12 

29 

55-56 

H369 

174.54 

238.23 

304.94 

374-83 

448.Q8 

524-87 

605.41 

30 

55-58 

II373 

17459 

238.31 

305.05 

374.98 

448.27 

525.14 

605.77 

31 

55-59 

113.76 

I74.65 

238.41 

305.I9 

375.16 

448.53 

525.46 

606.19 

32 

55-61 

113.81 

174-73 

238.52 

305.35 

375-39 

448.82 

525-84 

606.68 

33 

55  64 

II3.87 

174.83 

238.66 

305.55 

375-65 

449.16 

526.29 

607.25 

34 

55-68 

113.96 

174.95 

238.84 

305.78 

375-95 

449- 56 

526.79 

607.86 

35 

55-73 

II4.07 

175.12 

239.09 

306.13 

376.41 

450.13 

527.49 

608.68 

36 

55-79 

II4.I9 

175-33 

239.39 

306.53 

376.92 

450.75 

528.21 

609. 5 1 

11 

55-88 

II4.36 

175.61 

239.78 

307.04 

377-55 

45L50 

529.06 

610.48 

55-97 

114.56 

175-93 

240.22 

307.6I 

378.24 

452.29 

529.97 

6U.50 

39 

56.10 

II4.83 

176.34 

240. 78 

308.29 

379.02 

453-i6 

530.92 

612.58 

40 

56.26 

II5.I6 

176.83 

241.40 

308.98 

379-81 

454-02 

53190 

613.70 

4i 

56.45 

"5-53 

I77.36 

242.05 

309.76 

380.66 

454-99 

532.99 

614.97 

42 

56.66 

115.92 

177-88 

242.69 

3IO.49 

381.49 

455-93 

534-IO 

6l6.28 

43 

56.86 

116.27 

178.40 

243.30 

311. 21 

382.33 

456.92 

535-26 

617.69 

44 

57-Q5 

116.63 

178.84 

243.85 

3H.87 

383.14 

457-91 

536.48 

619.19 

9 

57.23 

116.95 

179.27 

244.41 

312.58 

384.01 

458.96 

537-77 

620.77 

57.36 

117.17 

I79.65 

244.94 

313.26 

384.88 

460.06 

539-12 

622.48 

% 

57.52 

117.49 

180.IO 

245-53 

314.02 

385.82 

461.22 

540.60 

624.34 

57  67 

117.80 

180.57 

246.16 

3I4.83 

3S6.82 

462.49 

542.18 

626.33 

49 

57.84 

118.13 

181.04 

246.80 

315.64 

387.86 

463.79 

543.84. 

628.46 

50 

58.02 

118.43 

181.56 

247.48 

316.53 

388.99 

465.21 

545.64 

630.76 

10Pay.25Yr.End.  Comb.4% 


Of    L,ifk   Insurance. 


423' 


Table  No.  CXLVI. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 

END  OF  TWENTY-FIVE  YEARS  OR  AT  DEATH  IF  PRIOR, 

COMBINED    EXPERIENCE,    FOUR  PER   CENT. 


20 
21 
22 

23 

24 

26 

27 
28 
29 

30 
31 
32 
33 
34 

36 
37 
38 
39 

40 

41 
42 

43 
44 

45 


1st 

Year. 


46.87 
46.90 
46.93 
46.97 
47.02 

47.07 
47.12 
47.19 

47  25 
47.32 

47.40 
47-49 
47-59 
47.70 
47.84 

47-97 
48.15 
48.36 
48.58 
48.85 

49.16 
49-52 
49.91 
50.29 
50.68 

51.06 


2d 

Year. 


95.87 
95-95 
96.O3 
96.II 
96.20 

96.31 
96.43 

96  53 

96.66 
96.81 

96.96 

97.15 
97.36 
97.59 
97.87 

98.19 
98.53 
98.95 
99.41 

99-97 

100.61 
101.31 
ro2.o6 
102.78 
103.54 

104.29 


3d 

Year. 


147.15 
147.27 
147.38 
147.52 
147.65 

147.80 
I48.OO 
I48.16 
148.36 
148.58 

148.82 
149. 1 1 

149.43 
149.80 
150.22 

T50.70 

I5L25 
I5L90 
152.62 
I53.48 

154-44 
155.47 
156.54 

157.58 
158.67 

r59-76 


4th 

Year. 


200.8o 
200.96 
20I.I2 
201.30 
201.48 

20I.70 
201.96 
202.18 
202.45 
202.76 

203.O9 
203.49 
203.93 
204.44 
205.OI 

205.68 
206.44 
207.34 
208.34 
209.49 

210.75 

2I2.08 
213.46 
214.78 
2I6.2I 

217.64 


5  th 

Year. 


256.96 

257-15 
257-37 

257-59 
257.82 

258.10 

258.45 

258.73 
259.07 

259-47 

259.91 
260.42 
261.00 
261.66 
262.30 

263.27 
264.27 
265.42 
266.69 
268.13 

269.62 
271.27 
272.92 

274-55 
276.32 

278.14 


6th 

Year. 


315-73 
3I5-98 
316.24 
3I6.5I 
3I6.8I 

317.14 

317.57 
317-93 
318.36 
318.86 

3I9-4I 
320.05 
320.78 
32I.60 
322.51 

323.62 
324.85 
326.27 
327.81 
329.50 

331.26 
333.18 
335-12 
337-05 

339-21 
341.41 


7th 

Year. 


377.26 
377.56 
377.87 
378.22 

378.57 

378.98 

379-39 
379.92 
380.46 
381.07 

381.75 

382.53 
383.42 
384.43 
385.53 

386.89 
388.36 
390.04 
39I.82 

393-77 

395.78 
397-97 
400.23 
402.5I 
405.08 

407.71 


8th 

Year. 


44I.7O 
442.05 
442.43 
442.83 
443.26 

443.75 
444. 26 

444.88 
445.54 


9th 

Year. 


447.09 
448.03 
449.09 
450.3I 
45I.63 

453.23 
454-94 
456.86 

458.90 
461.09 

463.37 
465.88 
468.50 
47L27 
474.18 

477-29 


509.I7 
509.60 
5I0.05 
510.54 
5".04 

511.62 
512.24 
512.97 

513.75 


446.27  5I4.6I 


515.59 
516.71 

517.98 
519.42 
520.96 

522.81 
524.76 
526.94 
529  23 
531.69 

534.28 

537.14 
540.16 

543-37 
546.80 

550.44 


Comb.4%  10Pay.30Yr.End. 


4 -'4 


Principles   and    Practice 


Table  No.  CXLVII. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 
END  OF  THIRTY  YEARS  OR  AT  DEATH  IF  PRIOR, 
COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

% 

29 

30 
31 
32 
33 

34 

11 
U 

39 
40 


1st 

Year. 


40.I9 
40.27 
40.35 
40.44 
40.53 

40.64 

40.75 
40.86 
4I.02 
41.17 

41.33 
41.52 
41.72 
41.94 
42.20 

42.48 
42.78 
43-13 
43.51 
43-95 

44-43 


2d 

Year. 


82.23 
82.38 
82.54 
82.72 
82.9I 

83.13 
83.37 
83.60 

83.9O 
84.21 

84.53 
84.92 

85.33 
85.78 
86.30 

86.89 

87.51 
88.23 
89.OI 
89.91 


Year. 


126.I9 
126.42 
126.66 
126.94 
127.23 

127.56 
127.92 
I28.3O 

128.74 
129.22 

129.72 
I30.30 
I30.94 
131.65 
132.44 

133.21 
134.30 
I35.40 
136.61 
137.99 


9O.9I  139.50 


4  th 

Year. 


172.17 
172.48 
I72.8I 
173.19 
173-59 

I74.O4 
174-53 
I75.04 
I75.64 
176.29 

176.98 
177.76 
178.65 
179.62 
I80.7I 

l8l. 91 
183.26 

18477 
186.43 
188.30 

I90.3I 


Mh 

Year. 


220.28 
220.67 
22I.IO 
221.59 
222.09 

222.66 
223.29 

223.95 
224.71 

225.54 

226.44 

227.43 
228.58 
229.83 
231.23 

232.77 
234.51 
236.47 
238.58 
240.92 

243.37 


6th 

Year. 


270.61 
271.IO 
271.63 
272.22 
272.84 

273.54 
274-31 
275.13 
276.07 
277.09 

278.22 
279.42 
2S0.86 
2S?.4i 
284.13 


7th 

Year. 


323.30 
323.89 
324-5I 
325.23 
325.97 

326.81 

327-73 
328.72 

329.84 
33L07 

332.41 
333-99 
335.6i 

337-48 
339-57 


286.05  341.87 
288.20  344-45 
290.60  347.28 
293.16  350.28 
295.96  353-53 

298.88  '356.91 


8th 

Year. 


9th 

Year. 


378.44  436.18 
379-14  437-00 
379.S9  437-86 


380.72 
381.59 

382.57 
383.66 
384.84 
386.16 
387.64 

389.20 
391.06 

392.99 
395-21 
397-67 

400.38 
403.36 
406.63 
410.08 
413-79 


438.82 
439-84 

440.99 
442.26 
443-63 
445-17 
446.86 

448.73 
450.86 

453-14 

455-73 
458.52 

461.70 
465.08 
468.82 

472.71 
476.90 


417.66  481 


■30 


10Pay.35Yr.End.  Comb.4% 


Of  Lifk  Insurance. 


425 


Table  No.  CXLVIII. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 
END  OF  THIRTY-FIVE  YEARS  OR  AT  DEATH  IF 
PRIOR,    COMBINED   EXPERIENCE, 
FOUR  PER  CENT. 


Age 


20 
21 
22 

23 

24 

% 

% 

29 

30 
31 
32 
33 

34 

35 


1st 

Year. 


35-12 
35.24 
35.38 
35-53 
35.69 

35.88 
36.06 
36.28 
36.51 
36.75 

37.03 
37.32 
37.63 
37-99 

38.37 

38.79 


2d 

Year. 


7I.8I 
72.09 
72.36 
72.67 
73.00 

73-37 
73-75 
74.19 
74.66 
75-i6 

75-69 
76.30 
76.96 
77.69 

78.47 

79-34 


3d 

Year. 


II0.2I 
IIO.61 
III. 03 
III. 50 
II2.00 

H2.53 
113-15 
113. 8l 

H4-53 
H5.30 

Il6. 12 
II7.06 
II8.O7 
Iig. l8 
I2O.39 

I2I.70 


4  th 

Year. 


150.35 
150.89 
151.46 
152.09 
152.78 

153.53 
154.35 
155.24 
156.22 
157.26 

158.39 
I59.67 
161.06 
162.57 
164.23 

166.04 


5  th 

Year. 


192.34 
I93.OI 
193-74 
194-55 
195.43 

196.40 
197-43 
198.57 
199.81 
201.15 

202.64 
204.24 
206.OI 

207.97 
2IO.O9 

212.41 


fit  h 

Year. 


236.25 
237.08 
237.97 
238.97 
24O.O4 

241.23 
242.49 
243.90 
245.42 
247.07 

248.88 
250.88 
253.07 
255.48 
257.II 

260.97 


7th 

Year. 


282.I9 

283.18 
284.25 

285.44 
286.71 

288.I3 
289.65 
291.34 

293.15 
295.14 

297.31 
299.71 
302.34 
305.23 
308.38 

311.82 


Year. 


330.27 

33L44 
332.68 
334-08 

335-57 

337-22 
339-oi 
340.97 
343-12 
345-46 

348.01 
350.84 
353-94 
357-35 
361.03 

365.10 


9  th 

Year. 


380.60 
381.94 
383.38 
385-09 
386.71 

388.63 
39O.69 
392.96 
395-46 
398.16 

401.13 

404.41 
408.02 

411.97 
4I6.2I 

420.91 


Comb.4% 


End.Age35 


426 


Principles  and   Practice 


Table  No.  CXLIX.  I 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL    ' 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  THIRTY-FIVE  YEARS  OR 

AT  DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 


• 

1st 

2d 

3d 

4th 

Sth 

6th 

7  th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

47.42 

97.OI 

148.9O 

203.19 

260.OI 

319.48 

381.75 

21 

52.07 

I06.54 

163.53 

223.18 

285.61 

350.98 

419.42 

22 

57-47 

H7-59 

180.52 

246.37 

315.33 

3S7.53 

463.17 

23 

63.80 

130.56 

200.43 

273-59 

350.I9 

430.43 

5I4.50 

24 

71.31 

145  95 

224.09 

305. 91 

39I.63 

481.42 

575.52 

% 

80.38 

164.51 

252.62 

344-91 

441.60 

542.93 

649. 16 

91.50 

187.31 

287.66 

392.8o 

502.99 

618.50 

739-62 

11 

IO5.46 

215.93 

33I.65 

452.94 

580.08 

7I3.40 

853.25 

123.49 

252.86 

388.44 

530.57 

679.61 

835-94 

29 

147.60 

302.28 

464.44 

634.47 

812.83 

30 

181.48 

37L7I 

571.18 

780.43 

31 

232.40 

476.10 

73L74 

32 

317.49 

650.52 

33 

487.96 

• 

8th 

Year. 


446.95 
491. II 
542.40 
602.60 
674.18 

760.54 
866.67 


Age. 


20 
21 
22 

23 

24 

25 


9th 

Year. 


515.24 
566.22 
625.44 
694.96 
777.63 

877-39 


10th 

Year. 


586.79 
644.95 
712.49 
79I.8I 
886.13 


ltth 

Year. 


661.77 
727.46 
803.77 
893.40 


12th 

Year. 


740.38 
813.99 
899.52 


13th 

Year. 


S22.80 
904.75 


14th 

Year. 


909.27 


End.Age40 


Comb.4% 


Of   Life   Insurance. 

427 

Table  No 

CL. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 
CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT 

THE  AGE  OF 

FORTY  YEARS  OR   AT 

DEATH  IF 

PRIOR,  COMBINED  EXPERIENCE, 

FOUR   PER  CENT. 

Age. 

1st. 
Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5th 

Year. 

6th 

Year. 

7  th 

Year. 

8th 

Year. 

20 
21 
22 

23 
24 

31.39 
33-88 
36.64 
39-76 
43.31 

64.19 
69.29 

74-95 
81.32 

88.57 

98.49 
IO6.29 
II4.99 
124.80 
135.93 

134.33 
I44.98 
156.87 
170.26 
185.47 

I7I.80 
185.44 
200.67 
217.83 
237.30 

2II.OO 

227.76 
246.49 
267.61 
291.56 

25L99 
272.04 

294.45 
3I9.7I 
348.35 

294.87 
318.36 
344.63 
374.24 

407.82 

26 
27 
28 
29 

47.31 
51.95 

57-35 
63.63 

71.15 

96.82 
I06.30 

H7-33 
130.23 
145-61 

148.60 
163.17 
180. 1 1 
199.96 
223.60 

202.78 
222.69 
245.84 
272.98 
305.29 

259-49 
285  OI 
314.69 

349-47 
390.88 

318.85 
350.27 
386.78 
429.63 
480.61 

381.02 
418.62 
462.34 
513.64 
574.70 

446.I4 
49O.26 

54L54 
601.74 
673.40 

30 
31 
32 

33 
34 

80.19 

91.26 

IO5.20 

123.22 

147.31 

164.12 

186.87 
215.45 
252.37 
301.78 

252.06 
287.05 
331.02 

387.81 
463.82 

344.21 
392.07 
452.21 
529.88 
633.89 

440.82 
502.20 

579-34 
679.00 
812.44 

542.12 
617.73 
712.76 

835.55 

648.38 
738.98 
852.85 

759-91 
866.28 

36 
37 
38 

l8l. 16 
232.05 
317.18 
487.71 

371.19 
475.65 
650.20 

570.64 
731.38 

780.04 

1 

1  Age. 

20 
21 
22 
23 

24 

9tli 

Year. 

I0t.li 

Year. 

11th 

Year. 

12th 

Year. 

13th 

Year. 

14th 

Year. 

15th 

Year. 

16  th 

Year. 

339-74 
366.85 

397.17 
431.36 
470.12 

386.71 
417.61 
452.20 
491.19 
535-41 

435.87 
470.76 
509.83 
553-88 
603.85 

487.36 

526.44 
570.22 
619.59 
675.61 

541.30 

584-79 
633.53 
688.51 
750.90 

597.81 
645.95 
699.92 
760.80 
829.91 

657.06 
710.09 
769.56 
836.67 
912.86 

719.18 

777-37 
842.65 

9l6-33 

2| 
26 

27 

28 

29 

514.38 
565.34 
624.59 
694.17 

776.99 

585.92 
644.09 
711.72 
79I.I8 
885.75 

660.93 
726.68 

803.I5 
893.02 

739.62 

813.37 
899.16 

822.21 
904.39 

908.92 

30 

877.OO 

Age. 

17th 

Year. 

ISth 

Year. 

19th 

Year. 

20 
21 
22 

784.35 
847.98 
919.39 

852.75 
922.12 

924.57 

Comb.4% 


End.Age45 


428 


Principles  and   Practice 


Table  No.  CLI. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  THE  AGE  OF  FORTY-FIVE  YEARS  OR  AT 
DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

3 

27 
28 
29 

30 
31 
32 

33 
34 

II 
11 

39 

40 

4i 
42 

43 


1st 

Year. 


22.21 
23.70 
25.35 
27  15 
29.14 

31-37 
33.83 
36.60 
39-64 
43.18 

47.19 
5i  78 
57.14 
63.41 
70.88 

79.90 

90.98 

104.88 

122.86 

146.94 

180.78 
231.71 
316.80 

487.37 


2d 

Year. 


45.36 
48.44 
5I.80 
55-50 
59-58 

64.II 
69.15 
74.81 
8l. II 

88.33 

96.53 
I05.95 
H6.93 
129.80 
I45. II 

163:59 
186.30 
214.86 
25L74 
301.15 

370.60 
475-09 
649-77 


3d 

Year. 


69-55 
74  27 
79-44 
85.11 

91  39 

98-33 
106.08 
114.76 
124.46 

135-54 

148.14 
162.65 

179.51 
199.32 

222.88 

251  31 
286.27 
330.22 
387.01 
463.07 

569.98 
730.92 


4th 

Year. 


94.80 
IOI.25 
108.31 
116.07 
124.61 

I34.IO 
144.68 

156.53 
169.81 
184.92 

202.I6 
221.99 

245.07 
272.17 

304.37 

343  29 
391-14 
45L30 
529.04 
633.17 

779  56 


5th 

Year. 


121. 18 
129.43 
138  46 
148.36 
159-32 

171.49 
185.03 
200.21 
217.24 
236.61 

258.71 
284.15 
313-75 
348.39 
389.84 

439-79 
501.29 

578.44 
678.23 
811.95 


6th 

Year. 


148.74 
158.87 
169.95 
182.16 
195.63 

210.58 
227.23 
245.91 
266.86 
290.72 

317.93 
349.28 

385-7I 
428.54 

479-49 

54i-o6 
616.78 
711.98 
835.05 


7th 

Year. 


177.52 
189.62 
202.89 
217.46 
233.58 

251.46 

271.38 
293.73 
318.83 
347.39 

379-97 
417.50 
461.18 
512.50 
573-59 

647.40 

738.18 
852.35 


flth 

Year. 


207.60 
221.76 
237.30 

254-39 
273.27 

294.23 

317.58 
343-79 
373.36 
406.77 

445-OI 
489.08 

540.35  I 
600.63  ! 

672.39  J 

759-IO  I 
865.78  j 


End.Age45 


Comb.4% 


Of  L,iff,  Insurance. 

429" 

Table  No.  CLI. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  AGE  OF  FORTY-FIVE  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

9th 

lOth 

ltth 

lath 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

239.03 

271.89 

306.24 

342.17 

379-75 

4T9.08 

460.26 

503-38 

21 

255.37 

290.50 

327.25 

365.68 

405.90 

448.OI 

492.II 

538.32 

22 

273.28 

310.92 

350  29 

391-49 

434.62 

479.79 

527.12 

576.70 

23 

293.OO 

333-39 

375-66 

419.92 

466.26 

5I4.82 

565.69 

619.05 

24 

314.78 

358.24 

403.73 

45L37 

501.28 

553.57 

608.42 

665.96 

25 

338.98 

385.83 

434.90 

486.30 

540.18 

596.67 

655.93 

718.13 

26 

365.96 

416.61 

469.71 

525-29 

583.62 

644.80 

709.OI 

776.43 

27 

396.22 

451.14 

508.69 

569.06 

632.38 

698.83 

768.62 

841.9I 

28 

430.27 

49O.OI 

552.67 

618.40 

687.38 

759.82 

835.90 

915.88 

29 

468.96 

534-22 

602.65 

674.58 

749.9I 

829.13 

912.41 

30 

513.19 

584.72 

659.79 

738.61 

821.42 

908.45 

31 

564.15 

642.94 

725.67 

812.58 

903.92 

32 

623.45 

710.69 

802.34 

8Q8.67 

33 

693.16 

790.37 

892.53 

34 

776.17 

885.26 

35 

876.51 

17th 

ISth 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

548.55 

595-90 

645.55 

697.63 

752.29 

809.68 

869.97 

933-34 

21 

586.72 

637.5I 

690.77 

746.77 

805.37 

867.02 

931.83 

22 

628.71 

683.27 

740.52 

800.65 

863.80 

930.18 

23 

675.03 

733-77 

795.46 

860.26 

928.36 

24 

726.35 

789.75 

856.36 

926.36 

2,S 

783.44 

852.05 

924.15 

26 

847.26 

921.70 

27 

918.96 

Comb.4% 


End.Age50 


430 

Principles  and  Practice 



Table  No.  CLII. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BV  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE   AT   THE    AGE  OF    FIFTY   YEARS    OR    AT 

DEATH  IF  PRIOR.  COMBINED  EXPERIENCE, 

FOUR    PER  CENT. 

1st 

2d 

3d 

4th 

5lh 

6th 

7th 

8ih 

Agb. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Vt„r. 

20 

16.43 

33  54 

51.39 

70.OO 

89.4I 

IO9.66 

I30.7S 

152.82 

21 

17.40 

35-55 

54.48 

7422 

94. So 

II6.23 

I38.67 

I62.O5 

22 

IS.49 

37-75 

57.83 

100.64 

123.43 

147-23 

I72.05 

23 

I9.63 

40.09 

61.43 

83.71 

106.93 

131. 17 

156.47 

182.88 

24 

20.88 

42.65 

65.37 

89.05 

II379 

139-59 

166.52 

I94.66 

2 

22.25 

45-43 

69.63 

94.88 

121.24 

148.75 

177-43 

207.48 

23-75 

7432 

IOI.26 

129.40 

158.79 

189.47 

221.53 

11 

25.36 

51.82 

79-43 

IO8.25 

138.34 

169.77 

202.6I 

236.92 

2715 

55-47 

85.05 

"5-93 

148.16 

181.86 

217.07 

25389 

29 

29.13 

59-53 

91.27 

124.41 

15904 

19523 

233.08 

272.68 

30 

31.32 

64.00 

98.14 

I33.8I 

17109 

210.06 

250.82 

293.48 

31 

33-75 

68.98 

105. Si 

I4430 

184.53 

226.63 

270.64 

316.74 

32 

36.48 

7459 

114.42 

156.07 

199.63 

245-I7 

292.88 

33 

39-56 

80.89 

124.11 

169.34 

216.59 

266.12 

317.97 

372.30 

34 

4304 

8S.04 

135.12 

184.33 

335.8! 

2S9.SS 

346.45 

405 -74 

$ 

4703 

96.20 

147.66 

201.53 

25794 

317.05 

379-OI 

44398 

51.63 

105.59 

162.13 

221.34 

283.36 

348.38 

416.52 

488.06 

11 

56.94 

116.54 

178.96 

244.37 

312.93 

460.20 

539-30 

63.20 

129.39 

198.75 

271.44 

347.65 

427.62 

511-47 

59953 

39 

70.65 

144.68 

222.28 

303.63 

388.99 

473.52 

572.51 

67I.25 

40 

79.66 

163.16 

250.71 

342.54 

438.87 

540.00 

646. 26 

758.03 

4i 

00.73 

185.84 

2S5.64 

390.31 

500.19 

615.64 

73709 

865.02 

42 

104.61 

214.36 

329-47 

450.32 

577.29 

710.86 

851.56 

43 

122.54 

251. 11 

386.08 

527.89 

677.06 

834.21 

44 

146.52 

300.35 

461.96 

631.96 

811.05 

n 

180.24 

369.59 

568.78 

778.62 

230.99 

473.98 

729.94 

47 

315.97 

648.83 

4« 

486.61 

End.Age50 


Comb.4% 


Of  Life  Insurance. 


43i 


Table  No.  CLII. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  FIFTY  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 


9th 

Age. 

Year. 

20 

I75.8I 

21 

186.45 

22 

197-97 

23 

210.46 

24 

224.03 

% 

238.82 

255-03 

% 

272.81 

292.41 

29 

314.05 

338.13 
365.02 

395-19 
429.25 
467.89 

512.13 
56306 
622.32 
692.03 
775-13 

875.77 


lOth 

mi, 

Year. 

Year. 

I99.8r 

224.86 

2H.92 

238.52 

225.05 

253.31 

239-25 

269.34 

254.72 

286.79 

271.58 

305.83 

290.06 

326.72 

3>o.35 

349-59 

332.66 

374.85 

357.41 

402.82 

384.89 

415.60 
450.06 
488.94 

533-12 

583.61 
641.82 
709.57 
789.34 
884.55 


433-89 
468.62 
507.58 

55L59 
601.53 

658.66 

724.55 
801.33 
891.85 


12th 

Year. 


25I.02 
266.29 
282.84 
3OO.78 
320.33 

34I.69 
365.02 
390.70 
419.02 
450.39 

485.25 
524.19 

567.95 
617.29 

673.35 

737-50 

811.59 
898.01 


13th 

Year. 


278.34 
295.31 
313.70 
333.67 
355.42 

379-14 
405.16 

433-75 
465.30 
500.25 

539" 

582.52 
631.25 
686.27 
748.80 

820.44 
903.27 


14th 

Year. 


306.88 
325.64 
345.98 
368.07 
392.09 

418.38 

447.19 
478.86 
513.81 
552.51 

595.59 
643.69 
697.71 

758.74 
828.17 

907.82 


15th 

Year. 


336  71 
357.35 
379-75 
404.02 
430.52 

459-47 
491.22 
526.14 
564.65 
607.38 

654.85 
707.91 

767  54 
834.97 
911.78 


16th 
Year. 


367.90 
390.53 
415.03 
441.69 
470.76 

502.53 
537:38. 
575.69 
618.03 
664.90 

7I7.05 
775.38 
840.99 
915.27 


Comb.4% 


End.Age50 


43  2 


Principles  and   Practice 


Table  No.  CLII. — Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE   OF   FIFTY  YEARS   OR   AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 


Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

400.52 

434.65 

470.38 

507.80 

547.OO 

588.IO 

631.20 

21 

425.20 

461.54 

499.58 

539-44 

581.23 

625.02 

671.OO 

22 

452.01 

490-73 

53L29 

573.82 

618.38 

665.17 

714.23 

23 

481.14 

522.47 

565.80 

611.20 

658.87 

708.85 

761.33 

24 

512.91 

557-u 

603.42 

652.04 

703.03 

756.55 

812.78 

25 

547-66 

594-99 

644.62 

696.69 

751.36 

808.79 

869.21 

26 

585.76 

636.55 

689.80 

745.71 

804.45 

866.24 

93L33 

27 

627.71 

682.26 

739-53 

799.69 

862.98 

929.66 

28 

673-99 

732.75 

794.48 

859.42 

927.83 

29 

725-30 

788.75 

855.50 

925.81 

30 

782.41 

851.16 

923.59 

31 

846.35 

921.12 

32 

918.36 

24th 

Year. 


676.40 
719.20 

765.74 
816.46 
871.94 

932.85 


Age 


25  th 

Year 


723.8I 
769.81 
819.85 
874.45 
934.25 


26th 

Year. 


773-59 
822.98 

876.77 
935-54 


27th 

Year. 


825.89 
878.91 
936.73 


28th 

Year. 


880.90 
937.84 


29th 

Vear. 


938.86 


End.Age55 


Comb.4% 


Of  Life;   Insurance. 

433 

Table  No.  CLIII. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY 

EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  FIFTY-FIVE  YEARS  OR  AT 

DEATH  IF 

PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER   CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

12.64 

25.76 

39-45 

53.69 

68.52 

83.96 

IOO.O4 

Il6.8o 

21 

I3.30 

27.18 

41.59 

56.62 

72.27 

88.55 

I05.52 

I23.I9 

22 

14.05 

28.67 

43-90 

59-75 

76.26 

93-45 

III. 36 

I30.02 

23 

14.83 

30.28 

46.36 

63.09 

80.54 

98.70 

II7.63 

137.34 

24 

15.68 

32.OI 

49.OO 

66.70 

85.14 

104.34 

124.37 

145-22 

% 

16.59 

33.84 

51.84 

7o.57 

90.08 

110.42 

131. 6l 

153.69 

17-57 

35.86 

54.90 

74.76 

95-43 

116.97 

139  43 

162.85 

2l 

18.62 

38.OO 

58.20 

79.24 

IOI.I8 

124.04 

147.87 

172.74 

28 

19.77 

40.34 

61.79 

84.14 

IO7.44 

I3L73 

157.06 

183.50 

29 

2I.OI 

42.88 

65.68 

8945 

114.22 

140.06 

167.04 

195.19 

30 

22.37 

45.63 

69.90 

95-21 

121. 6l 

149-15 

I7790 

207.92 

31 

23.82 

48.64 

74-54 

101.53 

I29.71 

159-13 

189.81 

221.90 

32 

25-44 

5I.96 

79.61 

108.48 

I38.63 

170.06 

202.93 

237.28 

33 

27.22 

55.60 

85.22 

116.15 

I48.4O 

182.12 

217.37 

254.22 

34 

29.18 

59.62 

91.42 

124.58 

159.24 

195.48 

233.36 

272.98 

9 

31.37 

64.08 

98.26 

133.97 

171.29 

210.31 

251.12 

293.83 

33.82 

69.08 

105.95 

144.48 

184.75 

226.89 

270.98 

317.09 

? 

36.52 

74.67 

114.55 

156.23 

I99.85 

245.48 

293.20 

343.07 

39.61 

8I.OI 

124.26 

169.53 

216.88 

266.42 

318.17 

372.38 

39 

43.IO 

88.14 

13^.27 

184.58 

236.16 

290.06 

346.49 

405.50 

40 

47.O9 

96.34 

147.87 

201.77 

258.12 

317.07 

378.73 

443-32 

4i 

51.69 

IO5.76 

162.33 

221.44 

283  32 

348.04 

4I5.8I 

486.89 

42 

57.03 

II6.68 

179.02 

244.27 

3I2.50 

383.98 

458.92 

537.6o 

43 

63.25 

I29.3O 

198-55 

270.92 

346.71 

426.16 

5O9.64 

597.40 

44 

70.58 

144.44 

221.70 

302.60 

387.45 

476.53 

570.2I 

668.85 

4§ 

79.46 

162.58 

249.63 

340.91 

436.76 

537.56 

643.74 

755-8o 

46 

90.30 

184.87 

284.03 

388.15 

497-65 

612.94 

734-73 

863.48 

8 

IO3.96 

212.96 

327.42 

447-79 

574-53 

708.40 

849.93 

121.65 

249.39 

383.72 

525.18 

674.56 

832.52 

49 

145-44 

298.37 

459.42 

629.49 

809.33 

So 

178.97 

367.42 

566.44 

776.88 

5i 

229.56 

472.04 

728.25 

52 

314.58 

647.27 

53 

485.38 

Comb.4% 


End.Age55 


434 

Principles  and   Practice 

Table  No.  CLIII. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  FIFTY-FIVE  YEARS  OR  AT 

] 

DEATH  IF  PRIOR,  COMBINED 

EXPERIENCE 

FOUR   PER  CENT. 

Age. 

9th 

10th 

Uth 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

134.25 

152.43 

I7L37 

igi. II 

211.68 

233.13 

255.50 

21 

141.60 

160.78 

180.77 

20I.6I 

223.33 

245.99 

269.64 

22 

149.46 

169.71 

190.83 

212.85 

235.82 

259.78 

284.81 

23 

157.89 

179-31 

201.64 

224.93 

249.24 

274.62 

30I.I0 

24 

16698 

189.64 

213.27 

237.94 

263.71 

290.58 

318.67 

3 

176.72 

200. 74 

225.80 

251.96 

279.28 

307.82 

337.64 

187.27 

212.75 

239-37 

267.13 

296.15 

326.48 

358.19 

27 

I98.68 

225.78 

254.02 

283.56 

314-44 

346.71 

380.48 

28 

211. IO 

239.89 

269.99 

301.45 

334-32 

368,74 

404.73 

29 

224.58 

255.27 

287.37 

320.91 

356.02 

392.73 

431.15 

30 

239.29 

272.07 

306.34 

342.20 

379.71 

418.94 

459-96 

31 

255-44 

29O.48 

327.16 

365.52 

405.66 

447-59 

49!-5i 

32 

273.18 

310.75 

350.05 

391.16 

434-12 

479.II 

526.14 

33 

292.76 

333.08 

375.28 

4I9.35 

465.51 

513.77 

564-32 

34 

314.43 

357-79 

403.II 

450.56 

500.17 

552.13 

606.61 

35 

338.49 

385.19 

434.04 

485.15 

538.67 

594-79 

653-72 

36 

365.28 

415.73 

468.48 

523-74 

581.68 

642.51 

706.49 

11 

395-30 

449.89 

507.08 

567.04 

630.01 

696.22 

765.93 

429.05 

488.40 

550.64 

615.98 

684.71 

757.06 

833.51 

39 

467.30 

532.II 

600.16 

671.71 

747.04 

826.64 

910.79 

40 

511.04 

582.15 

656.93 

735-70 

818.84 

906.77 

41 

561.50 

639.98 

722.59 

809  88 

902.16 

42 

620.36 

707.48 

799-52 

896.83 

43 

689.79 

787.40 

890.59 

44 

773.04 

883.20 

45 

874.33 

End.Age55 


Comb.4% 


Op  L/iFp   Insurance:. 

435 

Table  No^  CLIII.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  THE  AGE  OF  FIFTY-FIVE  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

16th 

Year. 

17th 

Year. 

18th 

Year. 

19th 

Year. 

20th 

Year. 

21st 

Year. 

22d 

Year. 

23  <l 

Year. 

20 
21 
22 

23 

24 

278.85 
294.33 
310.9I 

328.77 
348.03 

303.2I 
320.08 
338.19 
357.70 
378.72 

328.66 
347.OO 
366.72 

387-93 
410.84 

355.24 

375-15 
396.53 
4I9.57 
444-43 

383.02 
404-56 
427.72 
452.66 
479-57 

412.08 

435.34 
460.36 

487.29 
516.28 

442.46 
467.53 

494-49 
523.46 
554-74 

474  26 

50I.22 
530.15 
561.35 
594-95 

26 
27 
28 
29 

368.83 
391-37 
415.80 
442.39 
47L28 

401.45 
426.07 
452.76 

481.73 
513.31 

435.58 
462.37 
491.36 
522.93 
557.25 

471.28 
500.30 
53i.8o 
566.01 
603.28 

508.61 
540.03 

574.07 
6ll. 12 

651.55 

547.65 
581.56 
618.36 

658.43 
702.22 

588.50 
625.06 
664.78 
708.11 
755.51 

631.28 
670.67 

713-53 
760.34 
8H.60 

30 
31 
32 

33 
34 

502.87 
537-42 
575.40 
617.32 
663.84 

547.76 

585.51 
627.05 
672.97 
723.99 

594-77 
635.93 
681.29 
73L50 
787.32 

644.07 

688.88 

738.33 
793.10 

854.25 

695.83 
744-56 
798.36 
858.21 
924.99 

750.27 
803.16 
861.82 
927.03 

807.61 
865.11 
928.89 

868.12 
930.58 

Si 

8 

715.69 

773.84 
839.59 
914.32 

780.97 
845.OI 
917.45 

849.87 
920.24 

922.74 

Age. 

24th 

Year. 

25th 

Year. 

26th 

Year. 

27th 

Year. 

2Hth 

Year. 

29th 

Year. 

30th 

Year. 

31st 

Year. 

20 
21 
22 

23 

24 

507.5I 
536.40 
567.50 
600.95 
637.06 

542.28 
573.26 
606.56 
642.44 
68I.2I 

578.65 
6H.79 
647.46 
685.93 
727-57 

616.69 
652.15 
690.35 
73I.6I 
776.33 

656.54 
694.47 

735.38 
779-64 
827.68 

698.32 
738.90 

782.74 
830.24 

881.88 

742.20 
785.63 
832.62 
883.64 
939-21 

788.33 
834.85 
885.27 
940.12 

2| 
26 

27 
28 
29 

676.13 

718.57 
764.80 
815.32 
870.89 

723.23 
768.93 
818.80 
873.45 
933.56 

772.76 
821.99 

875.80 
934-87 

824.94 
877.98 
936.08 

880.OO 
937-21 

938.25 

30 

932.13 

Age. 

32d 
Year. 

33d 

Year. 

34th 

Year. 

20 
21 
22 

836.93 
886.80 
940.96 

888.23 
94L74 

942.48 

Comb.4% 


End.Age60 


436 

Principles  and  Practice 

Table  No.  CLIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY 

EQUAL  ANNUAL   PREMIUMS  TILL  MATURITY,. 

PAYABLE  AT  THE  AGE  OF  SIXTY  YEARS  OR  AT 

DEATH  IF 

PRIOR.  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

IO.IO 

20.58 

31.48 

42.80 

54-57 

66.81 

79-52 

92.74 

21 

IO.59 

2I.6l 

33.06 

44-95 

57.30 

70.16 

83.51 

97-39 

22 

II. 12 

22.68 

34.71 

47-20 

60.I9 

73-68 

87.71 

IO2.32 

23 

II. 71 

23.86 

36.50 

49-63 

63.27 

77.46 

92.23 

I07.55 

24 

12.31 

25.09 

38.39 

52.19 

66.55 

81.49 

96.99 

113.13 

3 

12.95 

26.40 

40.38 

54-92 

70.03 

85.74 

I02.08 

II9.07 

13.65 

27.80 

42.53 

57.86 

73.76 

90.31 

IO7.52 

125-43 

3 

14-37 

29.30 

44.83 

60.96 

77-74 

95-19 

113-35 

132.23 

15.16 

30.92 

47.28 

64.30 

82.OO 

IOO.43 

II9.60 

139-55 

29 

16.02 

32.62 

49.92 

67.89 

86.60 

IO6.05 

126.32 

147.44 

30 

16.91 

34.46 

52  73 

71-73 

91.52 

112. II 

133-55 

155.90 

31 

17.87 

36.46 

55.78 

75-91 

96.86 

II8.68 

141.39 

165.06 

32 

18.93 

38.62 

59" 

80.44 

I02.66 

125.77 

149-89 

175.02 

33 

20.07 

40.95 

62.69 

85.35 

IO8.9I 

133-49 

159.11 

185.81 

34 

21-33 

43-51 

66.63 

90.68 

115.75 

141.90 

169.15 

197.65 

9 

22.68 

46.27 

70.86 

96.49 

123.21 

151.08 

180.16 

210.51 

24.19 

49-32 

75-54 

102.89 

131.38 

161. 17 

192.21 

224.58 

11 

25-79 

52.67 

80.67 

109.88 

140.39 

172.21 

205.39 

239.90 

27-59 

56.35 

86.32 

117.65 

I50.3I 

184.36 

219.79 

256.75 

39 

29-57 

60.39 

92.62 

126.19 

I6I.22 

197.65 

235.66 

275.19 

40 

3L78 

64.97 

99-58 

135.66 

173-23 

212.37 

253.10 

295.52 

4i 

34.26 

70.00 

107.27 

146.05 

186.50 

228.56 

272.39 

318.06 

42 

37.03 

75.62 

115.78 

157.65 

20I.2I 

246.58 

293.89 

343-26 

43 

40.07 

81-77 

125.26 

170.49 

217.61 

266.73 

318.01 

37L58 

44 

43-45 

88.76 

135.89 

184.96 

236.13 

289.55 

345-35 

403.71 

4§ 

47-33 

96.60 

147.91 

201.41 

257-25 

315-59 

376.65 

440.65 

46 

5i-7i 

105.58 

161.72 

220.35 

281.59 

345.63 

412.85 

483-39 

47 

56.80 

116.02 

177-83 

242.41 

309-95 

380.83 

455-22 

533-49 

48 

62.79 

128.32 

196.80 

268.40 

343-55 

422.41 

505.41 

592.95 

49 

6993 

142.99 

219.39 

299.58 

383-72 

472.26 

565-69 

664.48 

50 

78.56 

160.76 

246.92 

337-39 

432-59 

533.02 

639-25 

75L94 

5i 

89.12 

182.68 

280.87 

384.19 

493.20 

608.48 

730.78 

860.95 

52 

102.70 

210.49 

323.93 

443.60 

570.16 

704-43 

847.35 

S3 

120.13 

246.55 

379.92 

520.97 

670.61 

829.88 

54 

143.68 

295.26 

455-57 

625.63 

806.65 

11 

177.00 

36421 

562.81 

774-20 

227.47 

468.79 

725.64 

57 

312.37 

644.86 

58 

483.52 

End.Age60 


Comb.4* 


Op  Life   Insurance. 


437 


Table  No.  CLIV. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE    AT  THE  AGE   OF  SIXTY   YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED    EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

2§ 
26 

27 

28 

29 

30 
31 
32 

33 
34 

35 
36 

11 

39 

40 

4i 
42 

43 
44 

46 

4Z 
48 

49 
50 


9th 

Year. 


IO6.49 
III. 84 
117.46 
123.49 
129.91 

136.74 
144.07 
151. 91 
160.35 
169.40 

179.17 
189.75 
201.23 

213.74 
227.35 

242.15 
258.26 

275.91 
295.18 

316.34 

339  75 
365.75 
394.85 
427.58 
464.97 

507.84 
557.62 
616.07 

685.54 
769.28 

871.88 


lOth 

Year. 


120.77 
126.83 
133.23 
140.08 

147.37 

155.14 

163.47 
172.41 
181.98 
192.31 

203.45 
215.49 
228.62 
242.84 
258.30 

275.09 
293.39 
313-35 
335-21 
359-27 

385.92 
41557 

448.79 
486.40 
529.24 

578.56 
635.93 
703.40 
783.76 
880.84 


11th 

Year. 


135.62 
142.43 
149.63 
157.34 
165.54 

174.29 
183.69 

193-73 
204.54 
216.19 

228.77 
242.39 
257-17 
273.18 
290.52 

309.41 
329.94 
352.35 
376.95 
404.07 

434-15 
467.66 
505.42 
548.IO 
596.88 

653.15 
718.74 
796.05 

888.32 


12th 

Year. 


151.07 
158.66 
166.70 
175.29 
184.45 

194.23 
204.72 
215.96 
228.07 
241.08 

255.19 
270.43 
286.94 

304.75 
324.13 

345-12 
368.OO 
393-OI 
420.52 
450.88 

484.63 
522.36 
564.83 
613.03 
668.24 

732.05 
806.60 
894.66 


13th 

Year. 


167.13 

175-54 
184.45 

193.99 
204.17 

215.OI 
226.65 

239-15 
252.58 
267.II 

282.76 
299.67 
317.91 
337-69 
359.08 

382.31 
407.67 
435.46 
466.04 
499.82 

537-54 
579-73 
627.36 

681.53 
743.70 

815.75 
900.11 


14th 

Year. 


183.84 
I93.II 
202.94 
213.47 
224.67 

236.66 
249.52 
263.31 
278.21 
294.24 

3".  5i 

330.09 
350.22 
371.94 
395-49 

421.09 
449.09 
479-8o 
513.62 
551.22 

593.IO 
640.12 
693.32 

753-97 
823.76 

904.84 


15th 

Year. 


201.24 
211.40 
222.21 

233.73 
246.O5 

259.23 
273-35 
288.58 

304.93 
322.52 

34L44 
361.82 
383.82 
407.61 
433-44 

461.57 
492.37 
526.16 
563.60 
605.I3 

651.57 
703.82 
763.08 
830.82 
9O8.98 


16th 

Year. 


219-34 
230.47 
242.24 
254.86 
268.35 

282.78 
298.28 

314.91 
332.78 
35L95 

372.61 

394.83 
418.82 
444.80 
473.06 

503.87 
537.60 
574.85 
6l6.02 
661.87 

713.24 
771.19 
837.09 
912.62 


Comb.4% 


End.Age60 


438 


Principles  and   Practice 


Table  No.  CLIV.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE    AT  THE  AGE  OF  SIXTY  YEARS  OR  AT 

DEATH  IF  PRIOR.  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 

II 

29 

30 
31 
32 

33 
34 

35 
36 

11 

39 

40 

4i 
42 


17th 

Year. 


18th 

Year. 


238.I9 
250.28 
263.14 
276.9O 
291.58 

307.35 
324-25 
342.36 
361.76 
382.65 

405-05 
429.20 

455.31 
483.63 
514.45 

548.13 
585.12 
625.92 
671.20 
721.72 

778  47 
842.67 
915  86 


257-84 
270.96 
284.93 
299.86 
315.88 

332.99 
35L33 
370.92 
392.00 
414.57 

438.85 
465.03 
493.40 

524-19 

557.71 

594.52 
634.96 
679.67 
729.40 

785.02 

847.67 
918.74 


19th 

Year. 


278.30 
292.52 
307.64 
323.88 
341.20 

359-72 
379-50 
400.73 
423.44 

447-82 

474-08 
50244 

533-19 
566.58 
603.17 

643.23 
687.41 
736.38 
790.95 
852.17 

921  32 


20th 

Year. 


299.65 
314.98 
331-39 

348.90 

367.60 

387.56 

408.90 

431-72 
456.19 
482.49 

510.85 
541.53 
574.79 

6ll. 12 
650.84 

694.49 
742-7* 
796.34 
856.25 

923.65 


21st 

Year. 


321.9I 

338.48 
356.13 
374-99 
395.06 

416.54 

439-47 
464.00 

49°-33 
518.68 

549-27 

582.38 
618.48 
657.84 
701.01 

748.57 
801.26 

859.96 
925.76 


22d 

Year. 


345.14 
362.97 

381.93 
402.I3 
423.72 

446.71 
47L30 
497.65 
525.97 
556.49 

589.48 
625.30 
664.31 
707.OO 
753-93 

805.76 

863.34 
927.67 


23d 

Year. 


369.38 
388.49 
408.78 
430.46 
453-53 

478.14 
504.49 

532.77 
563.20 
596.OO 

631  63 
670.31 

712.55 
758.87 
809.90 

866.44 
929.42 


24th 

Year. 


394-65 
4I5.05 
436.79 
459-91 
484.56 

510.91 
539-14 
569.47 
602.12 
637- 52 

675.88 
717.68 
763.43 
813.72 
869.29 

931.02 


End.Age60 


Comb.4% 


Op  lyiFK   Insurance. 


439 


Table  No.  CLIV.— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE    OF   SIXTY  YEARS    OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE. 

FOUR   PER  CENT. 


Age. 

25  th 

26th 

2  7th 

28th 

29th 

30th 

31st 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

42097 

448.38 

476.90 

506.62 

537-59 

56992 

603.71 

21 

442.76 

471.58 

501.59 

532.88 

565.55 

599-67 

635.39 

22 

465.91 

496.25 

527.87 

560.89 

595.38 

631.48 

669.3I 

23 

490.59 

522.57 

555-96 

590.84 

627.34 

665.60 

705.77 

24 

516.92 

550.70 

585.99 

622.93 

661.64 

702.29 

745-07 

25 

545-IO 

580.84 

618.23 

657.42 

698.58 

741.89 

787.58 

26 

575-34 

613.23 

652.94 

694.63 

738.51 

784.79 

833.74 

27 

607.88 

648.14 

69O.4I 

734.89 

781.82 

83I-45 

884.IO 

28 

643.01 

685.90 

73L03 

778.64 

828.99 

882.41 

939.27 

29 

681.07 

726.89 

775.24 

826.36 

880.60 

938.33 

30 

722.45 

77L58 

823.54 

878.66 

937-33 

31 

767.66 

820.50 

876.58 

936.25 

32 

817.24 

874-33 

935.09 

33 

871.91 

933.84 

34 

932.49 

32d 

Year. 


639.06 
672.82 
709.04 
748.05 
79O.I9 

835.90 
885.68 
940.14 


Age. 


20 
21 
22 
23 

24 

3 


33d 

Year. 


676.I2 
712.12 

750.85 
792.64 
837.91 

887.16 
940  96 


34th 

Year. 


7I5.02 
753-49 
794-95 
839.81 

888.55 

941.72 


35th 

Year. 


755-97 
797.12 

832.59 
889.85 
942.44 


36th 

Year. 


799.17 
843.27 
891.07 

943-n 


37th 

Year. 


844.85 
892.23 

943-74 


38th 

Year. 


893.32 
944.34 


39th 

Year 


944.90 


Comb.4% 


End.Age65 


440 

Principles  and   Practice 

Table  No 

CLV. 

TERMINAL  NET  VALUES  PER  $ 

1000  OF  ENDOWMENT  POLI- 

CIES  BY 

EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT 

THE  AGE  OF 

SIXTY-FIVE  YEARS   OR 

AT  DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

1st 

2d 

Sd 

4  th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

8.41 

17.12 

26.19 

35.58 

45.27 

55-43 

6594 

76.81 

21 

8.80 

17-95 

27.41 

37-19 

47-44 

58.02 

68.99 

80.38 

22 

9-23 

18.77 

28.64 

38.98 

49.66 

60.72 

72.21 

84.14 

23 

9.66 

19.62 

30.05 

40.82 

52.00 

63.59 

75.62 

88.09 

24 

10.06 

20.60 

31.48 

42.76 

54-47 

66.62 

79.21 

92.28 

11 

10.59 

21-57 

32.98 

44.80 

57.07 

69.80 

83.OO 

96.70 

11. 13 

22.64 

34.59 

47.oi 

59-85 

73-19 

87.04 

IOI.42 

27 

11.67 

23.75 

36.30 

49.30 

62.79 

76-79 

91-33 

106.42 

28 

12.23 

2493 

38.08 

51.73 

65.90 

80.61 

95.87 

III. 72 

29 

12.86 

26.17 

40.OO 

54-33 

69.23 

84.68 

100.74 

II7.42 

30 

13-52 

27.50 

42.02 

57-io 

72.76 

89.02 

105.91 

123.46 

31 

14.19 

28.92 

44.21 

60.07 

76.56 

93-70 

111.47 

129.96 

32 

14.94 

30.45 

46.55 

63.27 

80.65 

98.68 

117.44 

136.95 

33 

15-76 

32.IO 

49.08 

66.72 

85.03 

104.06 

123.88 

144.48 

34 

16.61 

33-86 

51.79 

70.37 

89.73 

109.84 

130.79 

152.58 

9 

17.54 

35-74 

54.67 

74-35 

94.81 

1 16. 1 1 

138.26 

l6l. 31 

18.56 

37-82 

57.84 

78.66 

100.34 

122.90 

146.34 

170.72 

3 

19.64 

40.05 

61.26 

83.36 

106.32 

130.23 

155.07 

180.77 

20.82 

42.47 

65.OO 

88.43 

112. 81 

138.14 

164.36 

191. 6l 

39 

22.10 

45-H 

69.04 

93-95 

119.82 

146.59 

174.42 

203.20 

40 

23-54 

48.00 

73-47 

99.92 

127.35 

155-77 

185.18 

215.63 

4i 

25.06 

5I.I5 

78.23 

106.28 

135.42 

165.55 

196.73 

229.02 

42 

26.76 

54-55 

83.30 

113. 21 

144.12 

176.09 

209.21 

243.54 

43 

28.55 

58.09 

88.82 

120.57 

153-43 

187.45 

222.73 

259-31 

44 

30.44 

62.06 

94-75 

128.57 

163.60 

199.90 

237.56 

276.60 

}3 

32.57 

66.27 

101.16 

137.30 

174.74 

213.59 

253-86 

295.81 

34-84 

70.91 

108.25 

146.96 

187.10 

228.72 

272.10 

317.18 

47 

37.37 

76.06 

116.17 

157-77 

200.89 

245.83 

292.53 

34L22 

48 

40.20 

81.87 

125.07 

169.88 

216.57 

265.07 

315.64 

368.48 

49 

43-42 

88.44 

135-12 

183.75 

234.29 

286.99 

342.04 

399-65 

50 

47.07 

95-88 

146.71 

199-54 

254.63 

312.17 

372.40 

435.63 

5i 

51.18 

104.52 

159-97 

217.78 

278.18 

341.38 

407.73 

477.56 

52 

56.21 

114-65 

i75.6o 

23924 

305.85 

375-77 

449-37 

527.09 

53 

61.92 

126.48 

193.92 

264.50 

338.59 

416.58 

498.92 

586.16 

54 

68.83 

140.72 

215.96 

294.94 

378.07 

465.85 

558.85 

657.78 

55 

77.20 

158.00 

242.82 

332.10 

426.36 

526.23 

632.48 

746.05 

56 

87.56 

179.48 

276.22 

378.38 

486.60 

601.74 

724.81 

857.05 

57 

100.74 

206.77 

318.73 

437-34 

563.52 

698.40 

843.34 

58 

117.91 

242.41 

374.30 

514.63 

664.61 

825.79 

59 

141. 14 

290.67 

449-75 

619.78 

802.50 

60 

174.10 

359-33 

557-30 

770.05 

End.Age65 


Comb.4% 


Op   Life   Insurance. 

441 

Table  No.  CLV. — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  SIXTY-FIVE  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

9th 

10th 

nth 

12th 

13th 

14th 

15  th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

\ear. 

Ytar. 

20 

88.IO 

99.82 

III. 96 

124.56 

137.64 

151.22 

I65.3I 

179.95 

21 

92.20 

104.44 

117.15 

130.34 

144.03 

158.25 

I73-OI 

188.36 

22 

96.49 

IO9.31 

122.62 

136.43 

150.77 

165.66 

l8l.I5 

197.20 

23 

IOI.03 

II4.46 

128.41 

142.88 

I57.9I 

173-54 

189.74 

206.61 

24 

IO5.84 

II9.92 

134.53 

149.71 

165.49 

181.85 

I98.88 

216.59 

% 

IIO.92 

125.68 

141.02 

156.94 

173-49 

I9O.69 

208.58 

227.20 

H6.34 

131.84 

147.95 

164.65 

182.04 

200.I2 

218.94 

238.52 

% 

I22.08 

138.38 

I55.27 

172.86 

191. 14 

2IO.I7 

229.97 

250.56 

128.21 

145.31 

163.09 

I8I.59 

200.85 

220.88 

241.71 

263.37 

29 

134.72 

152.74 

I7L47 

190.96 

211.24 

232.33 

254.25 

276.93 

30 

141.70 

160.68 

180.42 

200.97 

222.34 

244-54 

267.57 

291.42 

31 

149.19 

169.21 

190.03 

211.70 

234.21 

257.50 

281.71 

306.75 

32 

157.26 

178.38 

200.35 

223.19 

246.81 

271.38 

296.77 

323.05 

33 

165.93 

188.23 

211. 41 

235.40 

260.34 

286.12 

312.79 

340.41 

34 

175.24 

198.79 

223.16 

248.50 

274.69 

301.79 

329.85 

358.95 

3§ 

185.25 

2IO.o8 

235-82 

262.44 

290.00 

318.54 

348.12 

378.8o 

36 

195.95 

222.17 

249.28 

277-33 

306.38 

336.49 

367.72 

400.08 

37 

207.48 

235.II 

263.68 

293.28 

323.96 

355.78 

388.75 

423.14 

38 

219.79 

248.94 

279.13 

310.42 

342.88 

376.51 

4IL58 

448.02 

39 

232.97 

263.79 

295.76 

328.90 

363.25 

399.07 

436.28 

475.08 

40 

247.16 

279.84 

313.73 

348.92 

385.49 

423-54 

463.22 

504.65 

4i 

262.49 

297.20 

333.17 

370.68 

409.65 

450.28 

492.72 

537-14 

42 

279.14 

316.04 

354.51 

394.48 

436.16 

479.69 

525.25 

573.07 

43 

297.24 

336.75 

377.83 

420.65 

465.37 

512.19 

561.33 

61305 

44 

317.28 

359.56 

403.63 

449.68 

497-86 

548.45 

601.69 

657.91 

45 

339-42 

384.88 

432.37 

482.07 

534-25 

589.16 

647.I5 

708.58 

46 

364.17 

4I3.25 

464.63 

518.56 

575-33 

635.27 

698.77 

766.32 

47 

392.08 

445-31 

50I.I9 

560.OO 

622.10 

687.90 

757.89 

832.71 

48 

423.79 

481.83 

542.92 

607.44 

675.78 

748.49 

826.21 

909.73 

49 

460.13 

523.78 

59I.OO 

662.20 

737.96 

81893 

905.95 

50 

502.17 

572.43 

646.87 

726.07 

810.72 

9OI.68 

5i 

551.30 

629.41 

712.53 

801.36 

896.82 

52 

609.43 

697.01 

790.64 

891.25 

53 

678.97 

778.17 

884.77 

54 

763.53 

877.17 

55 

868.09 

1 

Comb.4% 


End.Age65 


442 


Principles  and   Practice 


Table  No.  CLV.— Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  SIXTY-FIVE  YEARS,  OR  AT 

DEATH,  IF  PRIOR.  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 
24 

% 

29 

30 
31 
32 

33 

34 

11 
U 

39 

40 

4i 
42 

43 
44 

47 


17th 

Year. 


195.17 
204.27 
213.9I 
224.14 

235-02 

246.57 
258.88 
271.96 

285.77 
300.52 

3i6.II 
332.65 
350.26 
369.05 
389.12 

4IO.65 
433-83 
458.85 
486.OI 
5I5.60 

548.03 
583.76 
623.41 
667.66 
717.46 

773-93 
838.53 
913.'0 


18th 

Year. 


210.95 
220.83 
231.29 
242.40 
254.I9 

266.73 
280.04 
294.IO 
309.07 
324.90 

341.66 
359-47 
378.46 
398  74 
420.38 

443-75 
468.88 
496.10 
525.69 
55802 

593.56 
632.84 
676.56 

725.52 
780.83 

843-79 
916.13 


19th 

Year. 


227.37 
238.06 
249.38 
261.39 
274.14 

287.66 
3OI.94 
317.12 

333.15 
350.12 

368.12 
387.28 
407.71 
429.51 

452  99 

478.20 

505.44 
535-00 
567.22 
602.54 

641.48 
684.66 
732.87 
787.08 
848.55 

918.86 


20th 

Year. 


244.45 
255.98 
268.I9 
281.14 
294.87 

309.37 
324-7I 
340.93 
358.06 
376.24 

395-55 
4I6.I2 
438.03 
46l.6l 
486.86 

5i4.II 

543-62 
575-72 
610.82 
649.40 

692.08 
739- 56 
792.78 
852.87 
921.33 


21st 

Year. 


262.23 
274.63 
287.76 
30I.67 
3I6.3I 

331.86 
348.25 

365.55 
383.86 
403.32 

424.OO 
446.OO 
469.64 
494.94 

522.18 

551.62 
583.58 
618.46 
656.7I 
698.89 

745.69 

797-97 
856.81 
923.58 


22d 

Year. 


280.72 
294.03 
308.IO 
322.91 
338.61 

355.14 
372.59 
391.05 
4I0.6I 
43I.4O 

453-53 
477.17 
502.48 

529.71 
559.07 

59O.88 

625.53 
663.44 
705.I6 
75L3I 

802.72 
860.40 
925.62 


23d 

Year. 


299.96 

314.19 
329.14 

344-99 
361.66 

379.23 
397.81 
417.49 
438.35 
460.50 

484.23 
509.54 
536.73 
566.OI 
597.68 

632.09 
669.68 
710.95 
756.49 
807.08 

863.68 
927.49 


24th 

Year. 


319.95 
335.05 
35L02 
367.82 
385.51 

404.I9 
423.96 
444.90 
467.09 
490-85 

516.16 
543.30 

572.49 
604.OI 
638.20 

675.47 
716.30 
761.27 
8ll. IO 
866.70 

929.19 


End.Age65 


Comb.4% 


Of   Life   Insurance. 


443 


Table  No.  CLV '.—Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  SIXTY-FIVE  YEARS  OR  AT 

DEATH  IF  PRIOR,  COMBINED    EXPERIENCE, 

FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

u 

29 

30 
31 
32 
33 
34 

$ 

11 

39 


25th 

26th 

27  th 

28th 

29th 

30th 

31st 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

340.67 

362.14 

384-37 

407.37 

431.19 

455-88 

481.49 

356.74 

379.16 

402.35 

426.37 

45L28 

477.IO 

503.9I 

373-64 

397-04 

421.28 

446.40 

472.46  . 

499-51 

527.62 

391-44 

4I5-90 

441.26 

467.55 

494.85 

523.23 

552.75 

410.21 

435-82 

462.37 

489.93 

518.58 

548.39 

579-47 

430.05 

456.88 

484.72 

5I3.66 

543.78 

575.18 

607.98 

45I-07 

479.21 

508.46 

538.90 

570.64 

603.78 

638.48 

473-37 

502.94 

533-72 

565.81 

599-33 

634.42 

671.24 

497.o8 

528.22 

560.69 

594-60 

630.10 

667.36 

706.58 

522.38 

555.25 

589-59 

625.52 

663.25 

702.95 

744-88 

549-47 

584-25 

620.65 

658.86 

699.09 

741.56 

786.55 

578.56 

615.46 

654.20 

694.97 

738.02 

783.63 

832.15 

609.92 

649.22 

690.58 

734-25 

780.52 

829.74 

882.35 

643.90 

685.89 

730.22 

777.19 

827.16 

880.57 

937.96 

680.86 

725-91 

773-63 

824.39 

878.66 

936.97 

721.28 

769.80 

821.43 

876.61 

935.91 

765.70 

818.24 

874.41 

934.76 

814.81 

872.04 

933-53 

869.47 

932.20 

930.76 

32d 

Year. 


508.08 
531-77 
556.87 
583.53 
6H.94 
642.30 
674.89 
7IO.OI 
748.OO 
789.30 

834.42 
884.02 
938.89 


33d 

34th 

35  th 

36th 

37th 

38th 

39th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

535.71 

564.45 

594-43 

625.74 

658.51 

692.91 

729.12 

21 

560.77 

59I.OO 

622.57 

655.62 

690.31 

726.83 

765.38 

22 

587.37 

619.22 

652.56 

687.56 

724.40 

763.30 

804.51 

23 

615.68 

649.33 

684.66 

721.84 

761.IO 

802.69 

846.94 

24 

645.92 

681.59 

7i9-J3 

758.77 

800.72 

845.45 

893.20 

25 

678.34 

716.26 

756.31 

798.73 

843.87 

892.12 

943.96 

26 

7I3.23 

753.70 

796.58 

842.20 

890.96 

943.36 

27 

750.94 

794-30 

840.43 

889.74 

942.73 

28 

79I.87 

838.55 

888.44 

942.05 

29 

836.55 

887.06 

94L33 

30 

885.59 

940.57 

31 

939.76 

40th 

Year. 


767.35 
806.23 

848.35 
894.24 

944-53 


Age. 

41st 

42d 

43d 

44  th 

Year. 

Year. 

Year. 

Year. 

20 

807.86 

850.95 

897.OI 

946.50 

21 

849.68 

896.13 

946.05 

22 

895.21 

945-57 

23 

945.06 

Comb.4% 


End.Age70 


444 

Principles  and  Practice 

Table  No.  CLVI. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY 

EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE  AGE  OF  SEVENTY  YEARS,  OR  AT 

DEATH,  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR   PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-34 

14.93 

22.83 

30.99 

39-46 

48.22 

57.29 

66.68 

21 

7.66 

1560 

23.83 

32.36 

41.18 

50.33 

59-79 

69.58 

22 

8.OI 

16.30 

24.90 

33-78 

43.OO 

52.53 

62.41 

72.65 

23 

8.36 

17.03 

25.99 

35.27 

44.88 

54.84 

65.17 

75.82 

24 

8.74 

17.78 

27.16 

36.84 

46.89 

57.29 

68.05 

79.I9 

u 

9.13 

18.59 

28.36 

38.50 

48.99 

59.84 

71.08 

82.72 

9-54 

I9.4I 

29.64 

40.24 

51.19 

62.53 

74-28 

86.45 

% 

9-97 

20.30 

30.99 

42.05 

5350 

65.36 

77-65 

90.38 

10.42 

21.21 

32.41 

43-97 

55-95 

68.35 

81.21 

94-53 

29 

10.91 

22.20 

33.90 

46.02 

58.56 

71.54 

85.00 

98.95 

30 

11.42 

23.24 

35.48 

48.16 

61.29 

74.90 

89.00 

IO3.63 

31 

11.97 

24-34 

37.16 

50.45 

64.22 

78.49 

93.26 

IO8.62 

32 

12-53 

25.51 

38.98 

52.89 

67-35 

82.30 

97-82 

II3.9I 

33 

13.15 

26.78 

40.88  " 

55.52 

70.66 

86.38 

102.69 

II9.62 

34 

13-79 

28.11 

42.93 

58.28 

74.20 

90.71 

107.88 

125.69 

35 

14.50 

29.52 

45.10 

61.26 

78.OI 

95-41 

"3.47 

T32.20 

36 

15.25 

31.05 

47-45 

64.45 

82.II 

IOO.43 

119.44 

i39.II 

U 

16.05 

32.69 

49.96 

67.90 

86.51 

IO5.80 

125.78 

I46.4I 

16.91 

34.45 

52.69 

71.60 

91.22 

III. 51 

132.48 

i54.II 

39 

17.86 

3637 

55.61 

75.56 

96.24 

II7.56 

I39.56 

162.I9 

40 

18.87 

38.46 

58.78 

79.81 

101.53 

123.92 

146.96 

170.66 

4i 

19.96 

40.66 

62.II 

84.24 

IO7.07 

130.55 

154.71 

I79.56 

42 

21.13 

43.02 

65.58 

88.89 

II2.84 

137.49 

162.85 

188.94 

43 

22.35 

45.42 

69.20 

93-68 

II8.87 

144.78 

171.44 

198.87 

44 

23.60 

47.96 

73.00 

98.75 

125.24 

152.50 

180.56 

209.44 

45 

24.92 

50.57 

76.95 

IO4.08 

132.OI 

160.75 

190.33 

220.79 

46 

26.30 

53.35 

8l.l8 

109.83 

I39.30 

169.64 

200.88 

233.07 

47 

27.78 

56.37 

85.79 

H6.06 

147.20 

179.28 

212.35 

246.46 

48 

29.40 

59.66 

90.80 

122.84 

155.85 

189.85 

224.93 

26l.l6 

49 

3I.I7 

63.24 

96.26 

130.28 

165.30 

201.45 

238.78 

277.38 

50 

33-II 

67.19 

IO2.29 

138.45 

I75.76 

214.29 

254.13 

295.44 

5i 

35-25 

71.56 

108.95 

147-54 

187.39 

228.56 

271.31 

315.65 

52 

37-63 

76.39 

II6.39 

I57.69 

200.41 

244.68 

290.64 

338.48 

53 

40.28 

81.85 

124.77 

169.14 

215-15 

262.91 

312.62 

364.45  ! 

54 

43-32 

88.03 

134.27 

I82.2I 

231.98 

283.77 

337.78 

394.28 

9 

46.74 

95-08 

145.19 

197.20 

25L35 

307.80 

366.86 

428.86 

50.71 

103.27 

157.85 

214.64 

273.85 

335-81 

400.86 

469.48 

U 

55-37 

112.86 

172.69 

235.07 

300.33 

368.86 

441-15 

517-79 

60.86 

124.19 

190.24 

259-33 

331.87 

408.39 

489-52 

576.05 

59 

67.44 

137.76 

211.33 

288.56 

370.06 

456.44 

548.58 

647.52 

60 

75-41 

154.29 

237.12 

324.51 

4I7.I3 

515.93 

622.03 

736.81 

End.Age70 


Comb.4% 


Of  Life  Insurance. 

445 

Table  No.  CLVL — Continued. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  THE  AGE  OF  SEVENTY  YEARS  OR  AT 

DEATH  IF  PRIOR 

.,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 

9th 

Year. 

lOth 

Year. 

11th 

Year. 

12th 

Year. 

13th 

Year. 

14th 

Year. 

15  th 

Year. 

16th 

Year. 

20 
21 
22 

23 

24 

76.42 

79-75 
83.23 
86.88 
90.74 

86.50 
90.25 
94.19 
98.32 
IO2.69 

96.92 
IOI.I3 

I05.54 
IIO.17 
II5.O7 

IO7.72 
112.39 
H7.30 
122.45 
127.89 

118.90 
124.06 
129.49 

135.17 
141. 19 

I3O.49 

136.15 
142.IO 
148.36 
154.98 

142.49 
148.67 
155.18 
162.03 
169.27 

I54.92 
161.65 
168.74 
176.20 
184.IO 

26 
27 
28 
29 

94.78 

99-05 

103.56 

108.33 

113.41 

IO7.27 
112. II 

II7-23 

122.65 
I28.4I 

120.21 
125.65 
I3L40 
137-49 
143.97 

I33.63 
139.69 
I46.O9 
I52.89 
l6o.I2 

147.53 
154-24 
161.34 

168.87 
176.88 

161.96 
169.34 
I77.I6 
185.46 
194.28 

176.91 
185.OI 

193-59 
202.67 
212.28 

192.44 
201.28 
210.63 
220.49 
230.87 

30 
31 
32 

33 

34 

118.79 

124.53 
130.65 

137.19 
144.17 

134.52 
I4L05 
I48.OO 
155-42 
163.29 

150.86 
I58.20 
166.OO 
I74.30 
183.O4 

167.81 

175.99 
184  64 

193.78 
203.4O 

185.39 
194.40 
203.88 
213.88 
224.35 

203.59 
213.41 

223.73 

234-55 
245.90 

222.39 
233.02 
244.14 

255-82 
268.07 

241.77 

253.19 
265.14 

277.70 
290.89 

36 
37 
38 
39 

151.59 

159.43 
167.69 

176.35 
185.47 

171. 6l 
180.38 

189.57 
I99.24 
209.4I 

I92.26 
2OI.94 
2I2.09 
222.78 
234.06 

2I3.50 
224.II 
235.26 
247.OO 
259-42 

235.35 
246.92 
259.09 
271.93 

285.52 

257.83 
270.40 
283.62 
297.60 
312.41 

280.97 

294.55 
308.87 
324.03 
340.10 

304.77 
319.42 
334-88 
35L25 
368.68 

40 

4i 
42 

43 
44 

195.05 
205.13 

215.79 
227.11 
239.19 

220.14 
231.45 
243.44 
256.I9 
269.83 

245.95 
258.54 
27I.9I 
286.15 
301.46 

272.53 
286.44 
301.23 
317.07 
334-08 

299.90 

315.18 
33L50 
348.99 
367.88 

328.IO 
344.84 
362.74 
382.OO 
402.87 

357-20 
375-46 
395-06 
416.22 
439.21 

387.25 
407.I3 
428.55 
45L75 
477.03 

46 

4Z 

1  48 

!  49 

252.18 
266.28 
281.69 
298.63 
317.39 

284.57 
3OO.58 
3i8.II 
337.46 
358.93 

318.OI 
336.05 
355.86 
377.78 
402.I6 

352.60 
372.81 
395.07 
419.74 
447.24 

388.44 
410.98 
435-86 
463.50 
494.40 

425.66 
450.70 
478.40 
509.27 
543.93 

464.39 
492.12 
522.90 

557-34 
596.16 

504.78 
535-45 
569.63 
608.04 
651.54 

50 
5i 
52 
53 

54 

338.30 
361.80 
388.36 
418.68 
453.61 

382.93 
409.93 

440.55 

475  62 
516.19 

429.46 
460.27 
495-35 
535-67 

582.54 

478.14 
513.14 
553.14 

599-35 
653-30 

529.25 
568.90 
614.42 
667.26 
729.29 

583.17 
628.02 
679.78 
740.I9 
8H.5O 

640.33 
691.07 

749  96 
819.09 
901.21 

701.30 

758.78 
825.90 
905.I9 

3 

59 

494.29 
542.24 

599-53 
668.97 
754.56 

563.63 
619.83 
687.30 
769.50 
87L37 

637.60 

703.I5 
782.26 
879.20 

717.03 
793-30 

885.88 

802.97 
891.67 

896.73 

60 



862.07 

Comb.4% 


End.Age70 


446 

Principles  and  Practice 

Table  No.  CLVI.— Continued. 



TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLL 

CIES  BY 

EQUAL 

ANNUAL  PREMIUMS  TILL 

MATURITY, 

PAYABLE  AT  THE  AGE  OF  SEVENTY  YEARS  OR  AT 

DEATH  IF  PRIOR 

,  COMBINED  EXPERIENCE, 

FOUR   PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23cl 

24  th 

20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

167.80 

I8l. 16 

I95-OI 

209.38 

224.30 

239.78 

255.85 

272.47 

21 

175.IO 

189.06 

203.53 

218.56 

234.16 

250.34 

267.IO 

284.39 

22 

182.80 

197-39 

212.53 

228.25 

244.56 

261.44 

278.87 

296.84 

23 

I90.9I 

206.18 

222.02 

238.46 

255.48 

273.05 

291.17 

309.81 

24 

I99.49 

21547 

232.05 

249.21 

266.93 

285.20 

304.OO 

323.34 

3 

208.56 

225.29 

242.60 

260.47 

278.91 

297.87 

317.38 

337-45 

2l8.l6 

235-63 

25367 

272.27 

29I.4I 

311. IO 

33L35 

352.19 

% 

228.27 

246.48 

265.26 

284.58 

304.46 

324.9I 

345-95 

367.61 

238.89 

257-86 

277-37 

297-45 

318. II 

339.36 

361.23 

383.75 

29 

250.O4 

269.77 

290.06 

310.93 

332.41 

354-51 

377.26 

400.69 

30 

261.71 

282.23 

303- 33 

325.04 

347-39 

370.39 

394-08 

418.49 

31 

273-94 

295.28 

317.25 

339-85 

363.12 

387.09 

411.77 

437-25 

32 

286.75 

308.97 

331.86 

355.41 

379-66 

404.65 

430.43 

457.06 

33 

300.2I 

323-38 

347.23 

37I.80 

397.10 

423.21 

450.I7 

478.05 

34 

3I4-36 

338.53 

363.42 

389.06 

4I5-52 

442.84 

471.IO 

500.38 

35 

329.28 

354.51 

380.52 

407.35 

435-05 

463.70 

493-39 

524.22 

36 

345-03 

371.41 

398.64 

426.74 

455-81 

485.94 

5I7-23 

549-78 

11 

361.67 

389.32 

417.86 

447.38 

477.98 

509.75 

542.81 

577-28 

379-35 

408.36 

438.37 

469.46 

501.75 

535-35 

570.39 

607.04 

39 

398.19 

428.71 

460.34 

493.18 

527.36 

563.OO 

600.28 

639.44 

40 

418.32 

450.53 

483.97 

518.77 

555.05 

593-02 

632.88 

674-93 

4i 

439- 96 

474.04 

509.51 

546.50 

585.19 

625.82 

668.67 

714-11 

42 

463-33 

499-52 

537-26 

576.74 

618.20 

661.93 

708.29 

757-74 

43 

488.72 

527.27 

567.61 

609.96 

654.63 

701.99 

752.51 

806.75 

44 

516.47 

557.72 

601.04 

646.73 

695.18 

746.85 

802.33 

862.36 

}§ 

547.03 

591.40 

638.20 

687.81 

740.73 

797.56 

859.04 

926.12 

580.95 

628.95 

679.83 

734-IO 

792.38 

855.43 

924.23 

47 

618.92 

671.18 

726.92 

786.77 

851.53 

922.19 

48 

661.79 

719.12 

780.68 

847.29 

919.96 

49 

710.61 

774-03 

842.66 

917.54 

50 

766.77 

837.60 

914.88 

Si 

832.04 

9II.97 

52 

- 

908.75 

End.Age70 


Comb.4% 


Of   Life;   Insurance. 


447 


Table  No.  CLVL— Continued. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 
PAYABLE  AT  THE  AGE   OF   SEVENTY  YEARS  OR 
AT  DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 

% 

29 

30 
31 
32 

33 

34 

11 

11 

39 

40 
4i 
42 
43 
44 


25  th 

Year. 


289.64 
302.23 

315-34 
328.99 

343-23 

358.IO 
373.64 
389.90 
406.94 
424.83 

443.67 
463.56 
484.59 
506.95 
530.79 

556.31 
583.73 
6I3.35 
645.53 
680.73 

7I9.5I 

762.57 
810.83 
865.44 
927.86 


26  rh 

Year. 


307-35 
320.58 
334-36 
348.71 
363.70 

379-35 
395-72 
412.85 
430.82 
449-74 

469.68 
490.76 
5I3.I3 
536.96 
562.43 

589.76 
619.25 
651.22 
686.13 
724.52 

767.05 
814.61 
868.28 
929.48 


2  7th 

Ye*r. 


325-57 
339-46 
353-93 
369.01 

384.77 

40T.23 

418.45 
436.50 
455  48 
475-47 

496.57 
518.95 
542.76 
568.18 
595.42 

624.77 

656.54 
691.17 
729.17 
771.21 

8i8.ii 
870.91 
930.97 


28th 

Year. 


344-31 

358.88 
374.07 
389.91 

406.46 

423.76 
441.88 

460.89 

480.93 

502.06 

524.45 
548.23 

573.59 

600.74 
629.94 

661.52 
695.88 
733.52 
775.08 
821.36 

873-35 
932.34 


29th 

Year. 


363.58 
378.86 

394-79 
411.41 
428.79 

446.97 
466.05 
486  11 
507-25 
529-63 

553-39 
578.74 
605.75 
634.81 
666.19 

700.29 

737.59 
778.69 
824.38 
875.61 

933.62 


30th 

Year. 


383-42 
399-43 
416.12 
433.56 
451.80 

470.92 
491.01 
512.17 

534-53 
558.26 

583-50 
610.46 
639-38 
670  58 
704.42 

74L39 

782.07 
827.20 

877.71 
934.81 


31st 

Year. 


403-83 
420.59 
438.09 
456.37 

475.54 

495.65 
516.82 
539  18 

562.86 
588.05 

614.91 
643.70 
674.71 
708.31 
744-95 

785.23 
829.83 
879.67 
935.91 


3«2d 

Year. 


424.85 
442.40 

460.73 
479.92 
5OO.06 

521.23 

543-57 
567.22 

592-34 
619.11 

647-77 
678.60 
711.96 

748.31 
788.19 

832.30 
881.61 
936.94 


Comb.4% 


End.Age70 


448 

Principles  and   Practice 

Table  No.  CLVL— Concluded. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  EQUAL  ANNUAL  PREMIUMS  TILL  MATURITY, 

PAYABLE  AT  THE   AGE  OF  SEVENTY  YEARS  OR 

AT  DEATH  IF  PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 
20 

33d 

34th 

35  th 

36th 

37th 

38th 

39th 

40th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

446.49 

468.78 

49L79 

515-55 

54O.II 

565.58 

592.01 

6I9.53 

21 

464.86 

488.03 

511.97 

536.71 

562.36 

589  OO 

616.71 

645.62 

22 

484.08 

508.20 

533.14 

558.99 

585.83 

613.76 

642.88 

673.35 

23 

504.23 

529.37 

555-43 

582.48 

610.64 

640.OO 

670.71 

702.97 

24 

525.41 

551.69 

578.97 

607.36 

636.97 

667.94 

700.47 

734-77 

U 

547-74 

575.26 

603.90 

633.77 

665.02 

697.83 

732.44 

769.13 

571-35 

600.26 

630.40 

661.93 

695.05 

729.97 

767.OO 

806.50 

27 

596.41 

626.84 

658.68 

692.II 

727.37 

764.76 

804.64 

847-45 

28 

623.08 

655.24 

689.OI 

724.63 

762.39 

802.67 

845.92 

892.71 

29 

651.61 

685.73 

721.73 

759.89 

80O.59 

844.29 

89I.58 

943.18 

30 

682.27 

718.66 

757.24 

798.39 

842.58 

890.38 

942.55 

31 

715.41 

754-45 

796.06 

840.76 

889.12 

941.89 

32 

751.46 

793-59 

838.83 

887.78 

94I.I8 

33 

790.97 

836.79 

886.35 

940.44 

34 

834.61 

884.84 

939.64 

a. 

883.23 

938.80 

937.90 

Age. 

41st        42d 

43d 

44th 

45th 

46th 

47th 

48th 

49th 

Year.        Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

648.22 

678.23 

709.75    ' 

742.99 

778.24 

815.83 

856.19 

899.87 

947.52 

21 

675.85 

707.60 

741.09    ' 

776.60 

814.46 

855.13 

899.13 

947.13 

22 

705.35 

739.09 

774.87  i 

^3.03 

854.OI 

898.35 

946.72 

23 

736  99 

773.06 

811.52  I 

552.83 

897.53 

946.29 

24 

771.15 

809.94 

851.59  * 

596.66 

945.84 

11 

808.26 

850.29 

895.75  < 

>45.36 

848.91 

894.79 

944.86 

% 

893.78 

944-33 

943-77 

10Pay.End.Age35-40  Comb.4% 


Of 

Life 

Insurance 

449 

Table  No.  CLVII. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 
AGE   OF   THIRTY-FIVE    YEARS  OR  AT    DEATH   IF 
PRIOR,  COMBINED  EXPERIENCE, 
FOUR   PER  CENT. 

Age. 

1st 
Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5  th 

Year. 

6th 

Year. 

7th 

Year. 

Hth 

Year. 

9th 

Year. 

20 
21 
22 

23 

24 

25 

66.48 
69.OI 
71.66 

74-43 
77.32 

80.38 

136.07 
I4I.24 
146.66 

152.34 

158.28 

164.51 

208.88 
216.85 
225.18 
233.90 
243.04 

252.62 

285.13 
296.OO 

307.39 
3I9.3I 
33I.8I 

344.91 

364.95 

378.88 

393-49 
408.78 
424.81 

441.60 

448.55 
465.71 
483.68 
502.51 
522.25 

542.93 

536.13 
556.66 
578.18 
600. 74 
624.38 

649.16 

627.88 
651.98 
677.23 
703.69 
73L44 

760.54 

724.04 
751.88 
781.07 
8H.65 
843.74 

877-39 

Table  No.  CLVIII. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 
AGE  OF  FORTY  YEARS  OR  AT  DEATH    IF 
PRIOR,  COMBINED  EXPERIENCE, 
FOUR  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4th 

Year. 

5th 

Year. 

6th 

Year. 

7th 

Year. 

8th 

Year. 

9th 

Year. 

20 
21 
22 
23 

24 

25 
26 

2l 
28 

29 
30 

55-47 
57.46 
59-55 
61-73 
64.02 

66.42 
68.92 

71-54 
74.28 
77.16 

80.19 

113.49 
117.59 
121.87 
126.35 
I3I.02 

135.92 
141.06 
146.43 
I52.05 
157.95 

164.12 

174.23 
180.51 
187.09 

193-97 
20I.I6 

208.69 
216.58 
224.84 
233.50 
242.56 

252.06 

237.79 
246.38 

255.37 
264.76 

274.59 

284.89 
295.67 
306.97 
318.82 
33L2I 

344-21 

304.32 
3I5.32 
326.84 
338.88 
351.50 

364.69 
378.53 
393.02 
408.20 
424.12 

440.82 

373-99 
387.52 
401.70 
416.53 
432.05 

448.31 
465.34 
483-19 
501.91 
521.53 

542.12 

446.94 
463.14 
480.09 
497-86 
516.47 

535-93 
556.33 
577-73 
600.16 
623.69 

648.38 

523-35 
542.36 
562.26 

583.09 
604.92 

627.77 

651.74 
676.87 
703.22 
730.88 

759-91 

603.40 
625.36 
648.36 

672.44 
697.66 

724.IO 

751.82 
780.87 
811.38 
843-38 

877.OO 

Comb.4*    10Pay.End.Age45 


450 


Principles   axd    Practice 


Table  CLIX. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 
AGE  OF  FORTY-FIVE,  OR  AT  DEATH  IF  PRIOR, 
COMBINED  EXPERIENCE.  FOUR  PER  CENT. 


Age. 


1st 

Year. 


20 
21 
22 

23 

24 

li 
% 

29 

30 
31 
32 
33 
34 

35 


46.86 
4S.44 
50.10 
51.82 
53-62 

55-52 
57.48 
59-55 
61.70 
63.96 

66.31 
68.78 
71.36 
74.07 
76.91 

79.89 


2d 

Year. 


95-88 

99.12 

IO2.51 

106.05 

IO9.74 

II3.60 
II7.64 
121.85 
126.27 
130.89 

135.72 
140.78 
146,08 
I51.64 
157.47 

163.59 


3d 

Year. 


147.16 
152.14 

157.34 
162.77 
168.45 

174.38 
180.58 
187.08 
193.86 
200.97 

208.40 
216.19 
224.35 
232.9I 
24I.9O 

251.31 


4  th 

Year. 


200.8I 
207.61 
214.71 
222.15 
229.90 

238.OI 
246.49 
255.36 
264.65 
274.36 

284.54 
295.20 
306.36 
318.08 
330.37 

343-29 


5th 

Year. 


256.96 
265.67 
274.78 
284.28 
294.23 

304.63 
3I5.50 
326.87 
338.78 
35L25 

364- 30 
378.OO 
392-34 
407.39 
423.19 

439-79 


6th 

Year. 


315-73 
326.45 
337-65 
349-35 
361.61 

374-40 

387-79 
401.79 
416.47 
431.83 

447-93 
464.79 
482.51 
50J.07 
520.56 

541.06 


7th 

Year. 


377.26 
390.08 

403-49 
417.50 
432.16 

447.48 
463.53 
480.31 
497.90 
5I6.3I 

535-62 
555.85 
577-IO 
599-38 
622.79 

647.40 


Hth 

Year. 


441.69 

456.73 
472.46 
488.89 
506.O9 

524.07 
542.90 
562.63 

583.27 
604.9I 

627.60 

65L39 
676.38 
702.60 
730.I5 

759-IO 


9th 

Year. 


509.I7 
526.54 
544-70 
563.70 
583.56 

604.37 
626.13 
648.95 
672.84 
697.88 

724.I5 
75L70 
780.65 
8H.03 
842.95 

876.51 


10Pay.End.Age50    Comb.4% 


Of  Life  Insurance. 


45i 


Table  No.  CLX. 

TERMINAL   NET   VALUES  OF   ENDOWMENT  POLICIES  BY 

TEN  EQUAL  ANNUAL  PREMIUMS,  PAYABLE  AT  AGE  OF 

FIFTY   OR   AT    DEATH   IF    PRIOR,    COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

25 
26 

3 

29 

30 
31 
32 

33 

34 

!§ 
% 

39 

40 


1st 

Year. 


40.20 
41.46 
42.77 
44.14 

45-57 

47.07 
48.63 
50.26 
51.95 
53-73 

55-57 
57.51 
59-53 
61.64 
63.86 

66.17 
68.60 
71.17 
73.84 
76.67 

79.66 


2d 

Year. 


82.23 
84.81 

87.51 
90.32 

93.24 

96.31 

99.49 
102.82 
106.30 
IO9.93 

"3-73 
117.69 
121.83 
126.18 
130.71 

135.47 
140.46 

I45.7I 
151.22 
157.04 

63.16 


3d 

Year. 


126.19 
I30.I5 
I34.30 
138.61 
143. 1 1 

147.80 
152.71 
157.82 
163.17 
168.76 

174-59 
180.67 
187.06 

193.75 
200.73 

208.06 
215.76 
223.83 

232.33 
241.29 

250.71 


4th 

Year. 


172.17 

177.58 
183.24 
189.14 
I95.28 

201.70 
208.40 

215-39 
222.71 
230.33 

238.31 
246.64 

255.39 
264.52 
274.10 

284.14 
294.68 
305.75 
3I7.41 
329.66 

342.54 


5  th 

Year. 


220.28 
227.21 

234.45 
242.OO 
249.88 

258.IO 
266.69 
275.66 
285.02 
294.81 

305.05 
315.76 
326.97 
338.70 
35LOI 

363.91 
377.46 
391.69 
406.66 
422.38 

438.87 


6th 

Year. 


270.61 
279.14 
288.05 
297-34 
307.03 

317.14 

327.72 
338.75 
350.29 
362.37 

374.98 
388.18 
402.OI 
416.48 
431.66 

447.59 
464.32 

481.88 
500.32 
5I9.67 

540.00 


7th 

Year. 


323.30 
333-49 
344.15 

355-26 
366.87 

378.98 
391.64 
404.86 
418.68 
433.14 

448.27 
464.10 
480.69 
498.06 
516.29 

535-41 
555.48 
576.55 
598.66 
621.87 

646.26 


Hth 

Year. 


378.44 
39O.4I 
402.90 
415.93 
429.55 

443-75 
458.61 

474-13 
490.36 
507.36 

525.I4 

543-75 
563.24 
583.69 
605.13 

627.62 
651.22 
675.98 
701.99 
729.30 

758.03 


9th 

Year. 


436.19 
450.00 

464.43 
479-47 
495-19 

511.62 

528.79 
546.75 
565.53 
585.18 

605.77 
627.33 
649.90 

673.59 
698.42 

724.48 
751.81 
780.50 
810.65 
842.37 

875.77 


Comb.4%    10Pay.End.Age55 


452 


Principles  and  Practice 


Table  No.  CLXI. 

TERMINAL  NET  VALUES  OF   ENDOWMENT   POLICIES  BY 

TEN  EQUAL  ANNUAL  PREMIUMS,  PAYABLE  AT  AGE  OF 

FIFTY-FIVE  OR  AT  DEATH  IF  PRIOR,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 
23 

24 

U 
% 

29 

30 
3i 
32 
33 
34 

3 

11 

39 

40 

4i 

42 

43 
44 

45 


1st 

Year. 


35-12 
36.14 
37  20 
38.30 
39-44 

40.64 
41.89 
43.18 
44-53 
45-94 

47.40 
43.93 
50.52 
52.18 
53.92 

55.73 
57.63 
59.63 
61.71 
63.91 

66.22 
68.66 
71.21 
73.86 
76.59 

79-45 


2d 

Year. 


7I.8I 

73-92 
76.09 

78.34 
80.68 

83.13 
85.68 

88.33 

91.09 
93.97 

96.97 

100. I I 

103.35 
106  78 
110.33 

114.05 

H7-95 
122.02 
126.32 
130.84 

135.59 
140.58 
145.78 
I5I-I7 
156.76 

162.58 


3d 

Vear. 


II0.2I 
II3.4I 
H6.75 
I20.20 
I23.8I 

127.56 
I3L48 
135.55 
139.79 
144.22 

I48.82 
I53.64 
158.65 
163.9I 
169.38 

175.13 
l8l. 12 
187.4I 
I94.O4 
2OO.99 

208.28 

215-93 
223.87 
232.13 
240.68 

249.63 


4th 

Year. 


150.35 
154.72 
159.27 
163.99 
168.92 

174.04 

179  39 
184.95 

190.75 
196.79 

203.O9 
209.68 
216.56 
223.73 
231.23 

239.O9 
247.31 
255.92 
265.OI 
274.50 

284.46 
294.86 
305.68 
316.92 
328.64 

340.9I 


5th 

Year. 


192.34 
197.92 
203.75 
209.79 
2I6.IO 

222.66 
229.50 
236.64 
244.08 
251.83 

259.9I 
268.36 
277.18 
286.39 
296.O3 

306.I3 
316.69 
327-77 
339-40 
351-59 

364.30 
377-59 
391.41 
405.85 
420.93 

436.76 


6  th 

Year. 


236.25 
243.II 
250.27 
257.71 
265.47 

273.54 
281.97 

290.74 
299.90 

309.44 

319.41 
329  83 
340.70 
352.06 
363.95 

376.41 
389.44 
403.II 
417.43 
432.40 

448.03 

464.35 
481.39 

499-23 
5I7.9I 

537.56 


7  th 

Year. 


282.20 
290.39 
298.96 
307.86 
317.14 

326.81 
336.89 

347-39 
358.36 
369.80 

381.75 
394.23 
407.28 
420.9I 
435.18 

450.13 
465.76 
482.14 
499.27 
5I7.I8 

535.89 
555-47 
575-93 
597.41 
619.97 

643.74 


8th 

Year. 


330.27 
339.89 
349.93 
360.35 

37L24 

382.57 
394-40 
406.73 
419.61 

433.05 

447.09 
461.76 
477-09 
493.13 
509.92 

527-48 
545.86 
565.09 
585.18 
6o6.2I 

628.20 
651.25 
675.42 
700.82 
727.56 

755.80 


9th 

Year. 


380.60 
391.69 
403.28 
4I5-32 
427.88 

440.99 
454-66 
468.92 
483.80 
499-35 

515-59 
532.58 
550.33 
568.91 

588.34 

608.68 
629.93 
652.17 
675.42 
699.79 

725.31 
752.IO 
780.26 
809.93 
841.22 

374-33 


OF 


lOPay.  End.  Age60    Comb.4% 


Of  Lifk  Insurance. 


453 


Table  No.  CLXII. 
TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 
CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 
AGE  OF  SIXTY  YEARS  OR  AT  DEATH  IF  PRIOR, 
COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

26 
27 
28 
29 

30 
31 
32 

33 

34 

Si 
3 

39 

40 

4i 
42 

43 

44 

9 

49 
50 


1st 
Year. 


3I-36 

32.19 
33.06 

33-96 
34-89 

35.87 
36.88 

37-94 
39.02 
40.16 

41-34 
42.56 
43.83 
45.16 
46.56 

47.98 
49.49 

51-07 
52.71 
54-44 

56.26 
58.16 
60.16 
62.21 
64,30 

66.47 
68.68 
70.98 
73-39 
75.91 

78.56 


2d 

Year. 


64.II 

65.83 
67.61 
69.46 
71.38 

73-37 
75-44 
77.58 
79-83 
82.14 

84.53 
87.05 
89.66 

92.39 
95.22 

98.17 
IOI.27 
IO4.49 
IO7.88 
III. 42 

115. 16 
II9.08 
123.IO 
127.25 
131.52 

135.94 
140.44 
I45.I6 
1 50.II 
155.31 

160.76 


3d 

Year. 


98.37 
IOI.OO 
IO3.72 
106.56 
IO9.51 

112.54 
115.74 
II9.05 
122.47 
126.03 

129.72 

I33o9 
137.60 
141.78 
146.14 

I50.70 

155.45 
160.43 
165.64 
171. IO 

176.83 
182.80 
188.94 
195.28 
201.79 

208.54 
2I5.50 
222.82 
230.45 

238.48 

246.92 


4th 

Year. 


I34-I7 
137.76 
141.48 
I45.36 
149-37 

153.53 
157.89 
162.36 
167.06 
171.93 

176.98 
182.27 
187.76 
193.48 
199-45 

205.69 
2I2.20 
219.OI 
226  15 
233.62 

241,41 
249.50 

257.83 
266.42 

275-31 

284.54 
294.13 

304.17 
314.68 

325.75 
337-39 


5th 

Year. 


171.62 
176.19 
180.95 
185.91 
I9L05 

I96.4O 
201.94 
207.70 
213.71 
219.96 

226.44 
233.21 
240.26 
247.61 
255.27 

263.28 
271.64 
280.39 

289.54 
299.09 

309  OI 
3I9.32 
329.93 
340.94 
352.34 

364.22 

376.59 
389.56 
403.I5 
417.49 

432.59 


6th 

Year. 


210.77 
216.39 
222.24 
228.33 
234.66 

241.23 
248.04 

255.14 
262.52 
270.21 

278.21 
286.55 
295.24 
304.29 
313.74 

323.63 
333-94 
344-73 
355-97 
367.68 

379.84 
392.45 
405.50 
419.05 
433.14 

447-86 
463.22 

479-34 
496.27 

514.14 

533-02 


7th 

Year. 


8th 

Year. 


251.72 
258.45 
265.43 
272.71 
280.26 

288.13 
296.28 
304.78 
3I3-63 
322.84 

332.41 
342.41 
352.83 
363.69 

375-04 

386.89 
399-26 
412.16 
425-59 
439-55 

454-06 
469.13 
484.77 
501.06 
518.05 

535.8o 
554-38 
573.91 
594-48 
616.22 

639-25 


294-55 
302.43 
310.63 

3I9-I4 
328.00 

337-22 
346.80 
356.76 
367.14 
377-94 

389.20 
400.95 
413-19 
425-97 


9th 

Year. 


439-30    506.72 


453-23 
467.75 
482.85 
498.58 
514.92 

53L93 
549.63 
568.05 
587.28 
607.37 

628.43 
650.52 
673.78 
698.33 
724.32 

75L94 


339-38 
348.47 
357.92 
367.75 
377.97 

388.63 
399.69 
4II.20 
423.21 

435.70 

448.73 
462.31 

476.49 
491.28 


522.81 

539-57 
557-02 
575.16 
594.04 

613.73 
634.27 
655.69 
678.10 
701.56 

726.21 
752.14 
779-49 
808.43 

839-16 

871.88 


Comb.4%    10Pay.End.Age65 


454 

Principles 

AND 

Practice 

r 

Table  No.  CLXIII. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE  AT 

AGE  OF  SIXTY-FIVE  YEARS  OR  AT  DEATH  IF  PRIOR, 

COMBINED  EXPERIENCE.  FOUR  PER  CENT. 

Age. 

1st 

Year. 

2d 

Year. 

3d 

Year. 

4  th 

Year. 

5th 

Year. 

6th 

Year. 

7th 

Year. 

8th 

Year. 

9th    ! 

Year. 

20 
21 
22 

23 

24 

28.68 
29.38 
30.I2 
30.87 
31.66 

58.64 
60.09 
61.59 
63.13 
64.75 

89.95 
92.16 

94-47 
96.84 
99-33 

122.66 
125.69 
128.83 
I32.O9 
r35-46 

156.87 
160.73 
164.76 
168.9O 
173-22 

I92.62 

197-37 
202.33 
207.4I 
212.71 

230.02 
235.70 
241.60 
247.69 
254.02 

269.12 
275.78 
282.68 
289.81 
297.22 

3I0.03  ! 

3I7.70 

325.65 

333.89 

342.45 

% 

27 
28 
29 

32.48 
33-32 
34.20 
35.11 
36.05 

66.41 
68.14 

69.93 
7I.8I 

73-71 

101.87 
104.52 
107.28 
110.12 
113.07 

I38.94 
142.56 
I46.3O 
I50.I9 
154.23 

177.69 
182.31 
l87.II 
I92.IO 
197.26 

2I8.2I 
223.89 
229.79 
235-92 
242.28 

260.59 
267.40 
274.44 
281.79 
289.4I 

304  93 
312.91 
321.19 
329.79 
338.73 

35L33 

360.55  ! 

370.12  ! 
380.06 

390.40  1 

30 
31 
32 

33 

34 

37.02 
38-03 
39-07 
40.16 
41.30 

75.69 
77-77 
79.92 
82.16 
84.46 

116. 13 
119.31 
122.61 
126  04 
129.61 

I58.40 
162.75 
167.26 
171.95 
176.83 

202.62 
208.I9 
213.98 
220.00 
226.26 

248.88 

255-75 
262.88 
270.29 
278.OI 

297.31 

305.53 
3I4.08 
322.97 
332.23 

348.01 
357.67 
367.72 
378.17 
389.05 

401.13 
412.31  1 
423-94 
436.04 
448.62 

IS 
II 

39 

42.47 

43.69 
44.98 
46.30 
47.70 

86.87 
89.38 
91.99 

94-74 
97.61 

133-31 
137.18 
141. 19 
145.42 
149.84 

l8l. 91 
187.19 
I92.70 
I98.49 

2J4.50 

232.77 
239-56 
246.65 
254-05 
261.73 

2S6.05 
294.43 
303.I5 
312.23 
32I.6I 

341.87 
351-90 
262.33 

373-13 
384.30 

400.38 
412.13 
424.32 
436.92 
449.96 

461.70 

475.24 
489.28 

503.79 
518.81 

40 

4i 
42 

43 
44 

49.17 
50.70 
52.29 
53.92 

55-55 

100.61 

103.73 
106.96 
110.23 
H3-54 

154.44 
159.20 
164.07 
169.04 
174.09 

210.75 
217.18 
223.76 
230.49 
237.35 

269.66 
277.82 
286.18 
294.74 
303-52 

33L30 
34L24 
351.48 
361.99 
372.81 

395.81 
407.66 
419.88 
432.48 
445.49 

463.41 
477.29 
491.64 
506.47 
521.83 

534.32 
550.39 
567-02 

584.27 

602.16 

8 

47 
48 

49 

57.23 
58.91 
60.65 
62.44 
64.30 

116.95 
120.38 

123.93 
127.60 

131.43 

179.27 
184.56 
190.03 
I95.70 
201.60 

244.41 
251.66 

259J7 
266.95 
275-05 

312.59 
321.91 
33L59 
341.63 
352.08 

384.OI 
395-56 
407.57 
420.04 
433.05 

458.96 
472.92 
487.43 
502.54 
518.33 

537-77 
554.32 
571.56 
589.56 
608.41 

620.78 

640. 1 7 
660.41 
681.60 
703.84 

So 
5i 
52 
S3 
54 

66.24 
68.24 
70.32 
72.49 
74.79 

135.39 
139.52 
143.80 
148.28 
153-02 

207.71 
214.06 
220.73 
227.70 
235.05 

283.46 
292.24 
301.43 
311.07 
321.28 

362.97 

374-37 
386.30 
398.88 
412.21 

446.62 
460.86 

475.83 

49r.63 
508.41 

534.85 
552.22 

570.54 
589  91 
6I0.5I 

628.19 
649.04 
671.08 
694.44 
719-37 

727.24 
75L99 
778.21 
806.10 
835.98 

55 

77.20 

158.00 

242.82 

332.10 

426.36 

526.23 

632.48 

746.05 

868.09 

10Pay.End.Age70    Comb.4% 


Of  Life   Insurance 

455 

Table  No.  CLXIV. 

TERMINAL  NET  VALUES  PER  $1000  OF  ENDOWMENT  POLI- 

CIES BY  TEN  EQUAL  ANNUAL  PREMIUMS  PAYABLE 

AT  AGE  OF  SEVENTY  YEARS  OR  AT  DEATH  IF 

PRIOR,  COMBINED  EXPERIENCE, 

FOUR  PER  CENT. 

1st 

2d 

3d 

4th 

5th 

6th 

7  th 

8th 

9th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year.    ! 

20 

26.89 

54.98 

84.33 

II4.98 

147.04 

180.53 

215-55 

252.16 

29O.46 

21 

27.51 

56.25 

86.27 

II7.63 

150.42 

184.70 

220.53 

257-99 

297.18 

22 

28.15 

57-56 

88.28 

120.38 

153.93 

189.OO 

225.67 

264.OI 

304.I2 

23 

28.81 

58.92 

90.36 

123.23 

157-57 

I93.46 

23I.OO 

270.25 

3II.3O  j 

24 

29-50 

60.33 

92.52 

126.17 

161.33 

198.08 

236.52 

276.70 

318.76 

25 

30.22 

61.79 

94-74 

129.20 

165.21 

202.85 

242.21 

283.38 

326.46 

26 

30.95 

63.28 

97.05 

132.34 

169.23 

207.78 

248.II 

290.30 

334-45 

27 

31.71 

64.82 

99.42 

135.59 

173.38 

212.89 

254.22 

297.47 

342.72 

28 

32.49 

66.43 

101.89 

138.95 

177.67 

2l8.l8 

260.54 

304.88 

35L29  i 

29 

33.31 

68.09 

104.43 

142.41 

182.13 

223  65 

267.IO 

312.56 

360.18 

30 

34-14 

69.81 

107  06 

146.OI 

186.73 

229.32 

273.88 

320.54 

369.4O 

31 

35-oi 

71.58 

109.79 

149-75 

I9L50 

235.I9 

280.93 

328.80 

378.95 

32 

35.89 

73-42 

112.62 

153.59 

19647 

24L29 

288.22 

337-37 

388.88 

33 

36.83 

75-33 

H5-54 

157-59 

201.57 

247.60 

295  80 

346.28 

399-17 

34 

37.8o 

77.29 

118.57 

161.74 

206.90 

254.17 

303.67 

355-53 

409.87 

35 

38.79 

79  33 

121.72 

166.04 

212.43 

260.99 

3H.85 

365.13 

420.94 

36 

3983 

81.46 

124.98 

170.51 

218.17 

268.07 

320.32 

375.04 

432.34 

11 

40.92 

83.67 

128.39 

175.18 

224.16 

275.43 

329.IO 

385.28 

444.IO 

42.03 

85.97 

131.94 

180.04 

230.37 

283.04 

338.15 

395-81 

456.I9 

39 

43.20 

88.38 

135-64 

185  09 

236.80 

290.88 

347-44 

406.62 

468.59 

40 

44-43 

90.91 

I39-5I 

190.31 

2434I 

298.92 

356.95 

417.69 

481.34 

4i 

45  72 

93-51 

143.46 

I95.64 

250.15 

307.IO 

366.67 

429.04 

494-44 

42 

47.04 

96.19 

147-49 

20I.06 

257.OO 

3I5.45 

376.60 

440.66 

507.87 

43 

48.38 

98.87 

I5I-55 

206.52 

263.9I 

323.92 

386  72 

452.56 

521  66 

44 

49.71 

101.57 

155.62 

212.03 

270.94 

332.55 

397.09 

464.76 

535.85 

45 

51.06 

104.27 

159-74 

217.63 

278.II 

341-39 

407.70 

477.28 

550.44 

46 

52.40 

106.97 

163.90 

223  32 

285.42 

350.43 

418.56 

490.14 

565.47 

47 

53.76 

109.75 

168.17 

229.15 

292.91 

359-68 

429.72 

503.36 

580.97 

48 

55.14 

112.59 

172.52 

235-11 

300  58 

369.17 

441.21 

517.01 

596.99 

49 

56.57 

115  51 

176.99 

241.23 

308.45 

378.95 

453.03 

53i-o8 

613.57 

50 

58.02 

118.47 

181.56 

247.48 

316.53 

388.99 

465-21 

545-64 

630.76 

5i 

59-50 

121. 51 

186.24 

253.92 

324.86 

399.36 

477.84 

560.77 

648.67 

52 

60.96 

124.63 

191-05 

260.55 

333-43 

410.08 

490.92 

576.48 

667.32 

53 

62.57 

127.83 

196.00 

267.38 

342.31 

421.20 

504.53 

592.83 

686.80 

54 

64.20 

131-15 

201.13 

274.47 

35L55 

432.79 

518.72 

609.96 

707.28 

55 

65.85 

134.57 

206.46 

281.86 

361. 19 

444.88 

533-55 

627.92 

728.87 

56 

67.58 

138.15 

212.03 

289.58 

371.24 

457-53 

549-14 

646.89 

751-77 

57 

69.40 

141.92 

217.88 

297.67 

381.78 

470.84 

565.62 

667.02 

776.20 

58 

7i.3i 

145.86 

223.99 

306.13 

392.87 

484.91 

583.11 

688.52 

802.47 

59 

73-33 

149.97 

230.37 

315  04 

404.62 

499.88 

601.83 

711.67 

830.94 

60 

75-40 

154.29 

237.12 

324.50 

4I7.I3 

515-93 

622.03 

736.81 

862.07 

Comb.4% 


lOYr.Term 


456 

Principles  and  Practice 

Table  No. 

CLXV 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000 

ON 

TEN-YEAR 

TERM    POLICIES 

,    COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Age. 

i 

55 1 

Terminal  Net 

Values 

AT   THE 

End  of 

1st 

2d 

3d 

4th 

I  5th 

6th 

7th 

8th 

9th 

20 

£ 

Year 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 
•55 

7.41 

.42 

.76 

I.05 

I  .22 

1-34 

1.3c 

1. 21 

.96 

21 

7-51 

•45 

.80 

1 .11 

I.30 

1. 41 

I  .4c 

I.27 

I  .02 

•59 

22 

7-63 

.48 

.86 

1. 18 

1.38 

I-5I 

I.49 

I.36 

I  .07 

.62 

23 

7-74 

•50 

•92 

I.24 

I.48 

1.58 

I  .60 

I.44 

1. 14 

•67 

24 

7.87 

•53 

.98 

1-3* 

1.58 

1 .69 

I.69 

1.54 

1. 21 

.70 

25 

8.01 

•56 

1.03 

1 .40 

1.66 

I.79 

I.78 

I.62 

I.28 

•75 

26 

8.15 

•59 

1 .10 

1.48 

«•« 

I.89 

1.88 

1 .70 

i-33 

•77 

27 

8.30 

.63 

1. 12 

!-57 

1-85 

2.00 

1.98 

1.79 

1. 41 

.82 

28 

8.46 

.66 

1 .22 

1.65 

i-95 

2.09 

2.07 

1.87 

1.47 

•85 

29 

8.62 

.70 

1.28 

1.74 

2.05 

2.20 

2.18 

1  .96 

J-53 

.88 

30 

8.80 

•73 

1.35 

1.82 

2.14 

2.31 

2.25 

2  .07 

1.63 

.94 

31 

8.98 

•77 

1. 41 

1 .90 

2.25 

2.41 

2.38 

2-J5 

1.69 

•97 

32 

9.17 

.80 

1.47 

1.99 

2-35 

2.52 

2.49 

2.25 

1.76 

1 .02 

33 

9-38 

.84 

1-54 

2.09 

2.46 

2.65 

2.63 

2.38 

1.89 

1. 12 

34 

9-59 

.89 

1.63 

2.21 

2.62 

2.82 

2.8c 

2-55 

2.04 

1 .21 

35 

9.83 

•95 

i-75 

2.38 

2.82 

3.06 

3-o8 

2.84 

2.31 

!-39 

36 

10.10 

1.03 

1. 91 

2.61 

3.12 

3-43 

3-5c 

3-28 

2.70 

1.63 

37 

10.41 

i.*5 

2.13 

2.94 

3-55 

3-95 

4. eg 

3-87 

3-19 

1-95 

38 

"•75 

1.29 

2.42 

3-37 

4.12 

4.62 

4-79 

4.51 

3-71 

2.23 

39 

11. 15 

1.47 

2.79 

3-92 

4.83 

5-42 

5 -6c 

5-27 

4.30 

2.58 

40 

"•59 

1. 71 

3-25 

4.60 

5-64 

6.30 

6-47 

6.02 

4.88 

2.91 

4i 

12.09 

2  .oc 

3-79 

5-33 

6.50 

7.21 

7-33 

6-77 

5.43 

3.21 

42 

12.67 

2.30 

4.36 

6.08 

7.38 

8. 11 

8.21 

7.56 

6.07 

3.61 

43 

i3-3i 

2.62 

4.92 

6.83 

8.22 

8.99 

9.06 

8-33 

6.67 

3-95 

44 

14.03 

2.92 

5-49 

7-55 

9-05 

9.88 

9.96 

9-i5 

7-33 

4-35 

45 

14.82 

3-24 

6.02 

8.26 

9.88 

10.79 

10.87 

9-99 

7-99 

4.72 

46 

15.69 

3-52 

6-54 

8-99 

10.76 

11 -75 

11.84 

10.88 

8.70 

5.16 

47 

16.63 

3.83 

7.12 

9.78 

11.72 

12.80 

12. 8g 

11.83 

9.48 

5.6i 

48 

17-65 

4.16 

7-74 

10.63 

12.73 

13.90 

x3-99 

12.85 

10.28 

6.06 

49 

18.76 

4-52 

8.41 

"•55 

13.83 

15.09 

15.2c 

13.96 

11. 15 

6-59 

50 

19.97 

4.90 

9.12 

I2-53 

14.99 

l6-37 

16.49 

!5-i4 

12.13 

7.19 

5i 

21.28 

5-32 

9.90 

13.59 

16.28 

17.78 

17.91 

16.49 

13.24 

7.88 

52 

22.71 

5-77 

10.73 

14.77 

17.69 

19.34 

J9-53 

18.02 

14-52 

8.64 

53 

24.26 

6.26 

11.67 

16.06 

19.25 

21.10 

21.36 

19.76 

J5-93 

9.5i 

54 

25.96 

6.82 

12.70 

17.48 

21 .01 

23.07 

23-41 

21.66 

17.49 

10.43 

55 

27.80 

7-41 

13.82 

19.08 

22.98 

25.28 

25.64 

23-74 

19.16 

n-43 

56 

29.81 

8.07 

15.09 

20.86 

25-17 

27.69 

28.11 

26.0c 

21 .06 

12.60 

57 

32.00 

8.82 

16.50 

22.84 

27-54 

30.30 

3o.75 

28.5c 

23.04 

13-77 

58 

34-39 

9.63 

18.05 

24.95 

30.08 

33-IO 

33.62 

31.18 

25.23 

15. 11 

59 

36.99 

10.52 

19.66 

27.19 

32.78 

36.09 

36.67 

34.03 

27.56 

16.50 

60 

39.81 

11. 41 

21.36 

29-54 

35-63 

39.24 

39-89 

37-°4 

29.99 

17.97 

61 

42.87 

12.38 

23-15 

32.03 

38.65 

42.58 

43- 31 

40.23 

32 .60 

■19-57 

62 

46.18 

13.38 

25-05 

34-66 

41.83 

46.11 

46.9c 

43-5Q 

35-41 

21.29 

63 

49-74 

14.44 

27.02 

37.4o 

45.16 

49.78 

50.70 

47.21 

38.40 

23-14 

64 

53-59 

15.54 

29.10 

40.30 

48.68 

53-72 

54.8i 

51.12 

41 .66 

25-15 

65 

57-73 

16.69 

31-27 

43.32 

52.37 

57-9o 

59.16 

55-29 

45- J5 

27-34 

15Yr.Term 


Comb.4% 


Of  Life  Insurance. 


457 


Table  No.  CLXVI. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  FIFTEEN-YEAR  TERM  POLICIES,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Age. 

Net 
Pre- 

Terminal Net 

Values 

AT  the  End  of 

miums. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.66 

.68 

I-3I 

1.88 

2.38 

2.8l 

3-14 

3-37 

21 

7.78 

•73 

I.40 

2.01 

2.54 

2-99 

3-34 

3-59 

22 

7.91 

•77 

I.48 

2.12 

2.68 

3-16 

3-53 

3.80 

23 

8.05 

.82 

i-57 

2.25 

2.84 

3-34 

3-74 

4.02 

24 

8.19 

.87 

1.66 

2.38 

3.01 

3-53 

3-95 

4.24 

25 

8-34 

.92 

1.76 

2.52 

3.18 

3-73 

4.17 

4-47 

26 

8.50 

.96 

1.84 

2.64 

3-33 

3-92 

4-37 

4.68 

27 

8.67 

1. 01 

1.94 

2.78 

3-5i 

4.21 

4-59 

4.91 

28 

8.84 

1.06 

2.04 

2.92 

3-69 

4-32 

4.82 

5.16 

29 

9-°3 

i-i5 

2.18 

3-n 

3-9i 

4.58 

5.10 

5.46 

30 

9.24 

1 .20 

2.30 

3.28 

4.14 

4.84 

5-42 

5.82 

31 

9.46 

1.24 

2.41 

3-46 

4-39 

5-i7 

5-8o 

6.22 

32 

9.71 

1.38 

2.64 

3-78 

4-79 

5.65 

6-33 

6.85 

33 

9.99 

1.48 

2.86 

4. 11 

5-24 

6.18 

6.98 

7.60 

34 

IO.30 

1.60 

3-n 

4-51 

5-74 

6.85 

7-79 

8-53 

35 

IO.63 

1.82 

3-5i 

5-°4 

6.46 

7-73 

8.82 

9.72 

36 

II  .01 

2.04 

3-9o 

5.65 

7.27 

8.74 

10.03 

11.08 

37 

n-43 

2.21 

4.32 

6.31 

8.18 

9.89 

n-34 

12.64 

38 

11.90 

2.50 

4.89 

7.17 

9-32 

11.23 

13.02 

14.38 

39 

12.42 

2.80 

5-53 

8.14 

IO-53 

12.83 

14.71 

16.23 

40 

13.00 

3.19 

6.29 

9.20 

12.03 

14.47 

16.59 

18.16 

4i 

13.64 

3.61 

7-o5 

10.46 

J3-49 

16.23 

*8.33 

20.14 

42 

J4-35 

4-05 

8.04 

11.70 

15.09 

18.01 

20.42 

22.21 

43 

I5-I4 

4.62 

8-93 

13.01 

16.64 

19.80 

22.40 

24.34 

44 

16.03 

4.87 

9.67 

14.06 

18.02 

21.45 

24.29 

26.40 

45 

16.96 

5-53 

10.69 

J5-45 

r9-73 

23-45 

26.51 

28.81 

46 

18.00 

6.00 

11.60 

16.76 

21 .42 

25.46 

28.80 

31.28 

47 

19.14 

6.46 

12.54 

18.16 

23.21 

27.62 

31-23 

33-93 

48 

20.36 

7.02 

J3-63 

19.72 

25.22 

29.99 

33-92 

36.88 

49 

21 .69 

7-63 

14.79 

21.41 

27-37 

32.55 

36.85 

40.09 

5o 

23-14 

8.26 

16.04 

23.21 

29.68 

35-34 

40.03 

43.58 

5i 

24.72 

8.92 

17-34 

25.12 

32.18 

38.34 

43-44 

47-39 

52 

26.41 

9.76 

18.89 

27-35 

35-OI 

41.72 

47-33 

51.69 

53 

28.27 

10.51 

20.43 

29.62 

37-95 

45-3i 

51.49 

56.29 

54 

30.27 

n-39 

22.14 

32.12 

41 .22 

49.26 

56.04 

61.28 

55 

32.43 

12.34 

23.98 

34.85 

44.76 

53-54 

60.92 

66.64 

56 

34-76 

!3-34 

25-99 

37-79 

48.58 

58.10 

66.12 

72.34 

57 

37-28 

14.46 

28.16 

40.98 

52.64 

62.96 

71-65 

78.41 

58 

40.03 

I5-38 

30.24 

44.07 

56.70 

67.78 

77.28 

84.63 

59 

42.90 

17. 11 

33-o8 

47-97 

61.48 

73.56 

83.72 

91.64 

60 

46.08 

18.15 

35-33 

51.28 

65.98 

78.95 

80.90 

98.50 

61. 

49-46 

19.46 

37.82 

55-09 

70.80 

84.72 

96.53 

105.60 

62 

53.o8 

20.76 

40.56 

58.97 

75-79 

90.74 

!03-43 

113.42 

63 

56.96 

22.22 

43-29 

62.95 

80.95 

96.94 

110.57 

121.44 

64 

61 .09 

23.72 

46.16 

67.12 

86.31 

103.42 

118. 10 

129.86 

65 

65.51 

25-I5 

49.01 

71.29 

9i.75 

110.08 

125.86 

138.58 

Comb.4% 


15Yr.Term 


458 

Principles  and  Practice 

Table  No.  CLXVL— Concluded. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  FIFTEEN-YEAR  TERM  POLICIES,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT 

Age. 

Terminal  Net  Values  at  the  End 

OF 

8th 

9th 

10th 

11th 

12th 

13th 

14th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-50 

3-50 

3-36 

3-07 

2.60 

I.94 

I.08 

21 

3-72 

3-72 

3-67 

3-25 

2.75 

2.06 

LI5 

22 

3-93 

3.93 

3-77 

3-43 

2.90 

2.17 

I. 21 

23 

4.16 

4-i5 

3-97 

3-6i 

3.o6 

2.28 

I.27 

24 

4.38 

4-37 

4.18 

3.80 

3.21 

2.40 

1-34 

25 

4.61 

4-59 

4.40 

4.00 

3-37 

2.52 

I.40 

26 

4.83 

4.81 

4.60 

4.19 

3-53 

2.63 

I.46 

27 

5-07 

5-05 

4.84 

4.38 

3-7o 

2.76 

1.54 

28 

5-32 

5-31 

5-o7 

4.60 

3-89 

2.92 

I.63 

29 

5-65 

5.62 

5.38 

4.90 

4.17 

3.15 

1.79 

30 

6.00 

6.01 

5.78 

5-3i 

4-57 

3-50 

2.0I 

31 

6.48 

6.52 

6-33 

5.87 

5-n 

3-95 

2.28 

32 

7.16. 

7.26 

7. 11 

6.65 

5-85 

4-54 

2.64 

33 

8.01 

8.19 

8.07 

7.64 

6.71 

5  -22 

3.OI 

34 

9.06 

9-31 

9.27 

8-75 

7.69 

5-94 

3-42 

35 

10.36 

10.72 

10.63 

10.02 

8-75 

6.73 

3-85 

36 

11.88 

12.24 

12.12 

11.36 

9.87 

7.56 

4.32 

37 

13-49 

13.88 

13.66 

12.76 

11.05 

8.45 

4.82 

38 

I5-30 

15-65 

15-34 

14.27 

12.34 

9.42 

5.36 

39 

17.17 

17.50 

17.09 

I5-87 

13.70 

10.45 

5.94 

40 

19.14 

19.44 

18.96 

i7- '57 

15.15 

u-53 

6-54 

4i 

21 .17 

21.47 

20.91 

19.36 

16.67 

12.67 

7.19 

42 

23-32 

23.61 

22.98 

21.25 

18.28 

13.90 

7.89 

43 

25-33 

25.83 

25.11 

23.20 

19.97 

I5-I7 

8-59 

44 

27.70 

28.03 

27.24 

25.20 

21.68 

16.47 

9-35 

45 

30.19 

3°-53 

29.69 

27-45 

23.60 

17-95 

10.20 

46 

32.79 

33-18 

32.26 

29.84 

25-71 

19-59 

11. 17 

47 

35- 60 

36.04 

35-07 

32.49 

28.05 

21.43 

12.22 

48 

38.71 

39.21 

38.22 

35.48 

30.69 

23-47 

13.41 

49 

42.10 

42.72 

41.70 

38.78 

33-58 

25-7I 

14.69 

5o 

45.84 

46.58 

45-55 

42.39 

36.74 

28.15 

16. 11 

5i 

49-93 

50.83 

49-74 

46.34 

40.19 

30.83 

17.67 

52 

54.52 

55-52 

54.37 

50.67 

43-99 

33.78 

19.37 

53 

59.4o 

60.54 

59-32 

55-34 

48.09 

36.96 

21.23 

54 

64.70 

65.97 

64.69 

60.40 

52.52 

40.41 

23.22 

55 

70.38 

71.80 

70.44 

65.80 

57-27 

44.08 

25.35 

56 

76.44 

78.01 

76.58 

71-59 

62.34 

48.02 

27.67 

57 

82.88 

84.61 

83.11 

77.73 

67.76 

52.29 

30.18 

58 

89.51 

91.46 

89.88 

84.17 

73-49 

56.82 

32.86 

59 

96-93 

99.04 

97.41 

91.32 

79.84 

61.84 

35.83 

60 

104.24 

106.64 

105.05 

98.65 

86.41 

67.07 

38.99 

61 

112.08 

114.82 

113.26 

106.55 

93.53 

72.79 

42.43 

62 

120.32 

123.42 

121 .96 

114.95 

101 .16 

78.92 

46.13 

63 
64 

128.98 

132.51 

131. 19 

123.94 

109.34 

85.56 

50.22 

138.12 

142.15 

141.04 

133.57 

118. 18 

92.84 

54.72 

65 

147-65 

152.27 

!5i.43 

143.80 

127.68 

100.67 

59-55 

20Yr.Term 


Comb.4% 


Of  Life 

Insurance. 

459 

Table  No 

.  CLXVII. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  TWENTY- YEAR  TERM  POLICIES, 

COMBINED 

EXPERIENCE,  FOUR  PER  CENT 

Age. 

Net 
Pre- 

Terminal Net  Values  at  the 

End  of 

miums. 

1st 

2d 

3d 

4th 

5th 

6th 

Year. 

Year. 

Year.. 

Year. 

Year. 

Year. 

20 

7-94 

O.98 

1 .90 

2.80 

3.63 

4.40 

5-« 

21 

8.08 

I  .OI 

2.01 

2-95 

3.83 

4.65 

5-39 

22 

8.22 

1 .10 

2.14 

3-13 

4.06 

4-93 

5-70 

23 

8-37 

1. 16 

2.26 

3-31 

4.29 

5.18 

6.01 

24 

8-53 

I. 21 

2.38 

3-49 

4-52 

5.48 

6-35 

25 

8.70 

1.32 

2.56 

3-73 

4.82 

5-84 

6.76 

26 

8.89 

I  .40 

2.71 

3-96 

5-13 

6.21 

7.19 

27 

9.10 

I.48 

2.89 

4.22 

5-48 

6.64 

7.69 

28 

9-33 

I.56 

3.08 

4.52 

5-88 

7-13 

8.28 

29 

9.58 

1.74 

3-37 

4-93 

6.40 

7-77 

9.02 

30 

9.86 

I.83 

3-6i 

5-3° 

6.91 

8.42 

9.81 

31 

10.16 

2  .04 

3-97 

5-82 

7-59 

9.26 

10.83 

32 

10.49 

2.17 

4.29 

6-33 

8.29 

10.17 

11.89 

33 

10.86 

2-37 

4.70 

6.97 

9.16 

11 .21 

13.18 

34 

11 .26 

2.68 

5-25 

7.78 

10.18 

12.51 

14-73 

35 

11 .70 

2.91 

5.78 

8-55 

11 .27 

13.90 

16.43 

36 

12.18 

3.26 

6.41 

9-53 

12.58 

15-55 

18.43 

37 

12  .72 

3-57 

7. 11 

10.60 

14.04 

17.40 

20.59 

38 

*3-3° 

4.02 

7-97 

11.89 

15-75 

19.47 

23.16 

39 

13.96 

4-37 

8.78 

13.18 

17.45 

21.73 

25.69 

40 

14.66 

4.89 

9.86 

14.70 

19.58 

24.17 

28.55 

4i 

15-44 

5-59 

11 .02 

16.52 

21.77 

26.84 

31.54 

42 

16.31 

6.01 

12.17 

18.10 

23.89 

29-35 

34-43 

43 

17-25 

6.80 

13-44 

19.98 

26.22 

32.13 

'37-62 

44 

18.29 

7.38 

14.69 

21.74 

28.50 

34-9o 

40.87 

45 

19.42 

8.09 

15.98 

23.61 

3o.93 

37.88 

44.36 

46 

20.65 

8-73 

17.26 

25-53 

33-48 

41 .00 

48.04 

47 

21.98 

9.44 

18.68 

27.65 

36.24 

44.41 

52.02 

48 

23-41 

10.23 

20.23 

29.92 

39-24 

48.07 

56.32 

49 

24.96 

11.08 

21.89 

32.38 

42.44 

5J-99 

60.95 

5o 

26.62 

11.99 

23.67 

34.98 

45-85 

56.20 

65.90 

5i 

28.43 

12.83 

25.42 

37.62 

49-39 

60.58 

71.08 

52 

30-35 

13.92 

27.48 

40.65 

53-33 

65.41 

76.81 

53 

32.42 

14-93 

29-53 

43.72 

57.38 

70.46 

82.80 

54 

34-04 

16.04 

3*-73 

46.98 

61.74 

75-85 

89.19 

55 

37.02 

17.21 

34.06 

50.48 

66.37 

8i.57 

95.9o 

56 

39-55 

18.45 

36.54 

54.i8 

71.25 

87-56 

102 .94 

57 

42.26 

19.77 

39.16 

58.07 

76.33 

93-77 

no. 16 

58 

45.18 

20.89 

41.64 

61.83 

81.32 

99.88 

117-54 

59 

48.21 

22.83 

44.90 

66.38 

87.04 

106.93 

125.66 

60 

5i-52 

23-95 

47.41 

70.16 

92.27 

"3-35 

r33-25 

61 

55  -oo 

25.41 

50.20 

74-45 

97-99 

120.12 

141.23 

62 

58.68 

26.80 

53-14 

78.69 

103.34 

126.94 

149.25 

63 

62.58 

28.32 

56.00 

82.91 

108.89 

J33-73 

157-29 

64 

66.71 

29.77 

58.85 

87.12 

114.38 

140.52 

165.36 

65 

71 .06 

31.18 

61.65 

91.23 

119.82 

147.27 

!73-39 

Comb.4% 


20Yr.Term 


460 


Principles  and  Practice 


Table  No.  CLXVII. —Continued. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

$1000  ON  TWENTY-YEAR  TERM  POLICIES,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT 

Age. 

Terminal  Net  Values  at  the  End 

OF 

7th 

8th 

9th 

10th 

11th 

12th 

13th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-72 

6.25 

6.68 

6-99 

7.16 

7.19 

7-05 

21 

6.04 

6.60 

6.96 

7.36 

7-54 

7.56 

7.41 

22 

6-39 

6.97 

7-44 

7-77 

7-95 

7.96 

7.80 

23 

6.74 

7-35 

7.83 

8.17 

8.36 

8.38 

8.21 

24 

7. II 

7-75 

8.26 

8.62 

8.82 

8.84 

8.67 

25 

7-56 

8.24 

8.78 

9.17 

9-39 

9-43 

9.24 

26 

8.05 

8.78 

9-37 

9.80 

10.05 

IO.09 

9-95 

27 

8.62 

9.42 

10.07 

I0.57 

10.85 

IO.96 

10.84 

28 

9.21 

10.18 

10.92 

11.47 

11.85 

I2.02 

11.97 

29 

IO.15 

11. 15 

11 .96 

12.63 

13.10 

!3-36 

13-39 

30 

II.09 

12.19 

13.16 

13-95 

14.55 

14.93 

15.02 

31 

12.23 

13.51 

14.63 

15.58 

16.32 

16.80 

17.00 

32 

13-5° 

14.97 

16.29 

17.43 

18.28 

18.95 

19-15 

33 

15.02 

16.72 

18.27 

19-55 

20.67 

21-34 

21.54 

34 

16.84 

18.81 

20.53 

22.12 

23.26 

24.00 

24.14 

35 

18.84 

21.03 

23.12 

24.78 

26.07 

26.79 

26.88 

36 

21 .11 

23.71 

25.91 

27.77 

29.09 

29.81 

29.84 

37 

23-73 

26.49 

28.95 

3O.9O 

32.28 

33  -oi 

33- 00 

38 

26.51 

29.58 

32.18 

34-24 

35-70 

36.45 

36.38 

39 

29.41 

32.68 

35-32 

37.68 

39-24 

40.01 

39 -91 

40 

32.52 

36.04 

39-03 

41.41 

43.  d6 

43-88 

43-71 

4i 

35.82 

39.61 

42.83 

45.38 

47.16 

48.01 

47.80 

42 

39-o7 

43-19 

46.68 

49-45 

51-36 

52.83 

52.07 

43 

42.66 

47-n 

50.90 

53.89 

55.96 

56.98 

56.77 

44 

46.32 

51-17 

55-28 

58.53 

60.82 

61.95 

6i.75 

45 

50.28 

55-53 

60.00 

63.57 

66.08 

67.35 

67.21 

46 

54.46 

60.17 

65.06 

68.97 

71-73 

73.20 

73.15 

47 

58-99 

65 .22 

7°-55 

74.83 

77.92 

79.62 

79.66 

48 

63.90 

70.68 

76.49 

81.23 

84.67 

86.60 

86.71 

49 

69.18 

76.55 

82.93 

88.15 

91.98 

94.14 

94.32 

5o 

74.83 

82.88 

89.87 

95.61 

99.82 

102.22 

102.47 

51 

80.81 

89.58 

97-23 

103.49 

108. 11 

110.77 

in. 13 

52 

87-37 

96.92 

105.21 

112.02 

117.05 

120.00 

120.46 

53 

94.25 

104.57 

H3-55 

120.88 

126.46 

129.71 

130.28 

54 

i°i-53 

112.68 

122.32 

130.41 

136.40 

139-97 

140.68 

55 

109.19 

121 .12 

131.67 

140.32 

146.85 

150.79 

151.64 

56 

117. 11 

130.09 

141.38 

150.73 

157-79 

161 .91 

163.18 

57 

125.49 

139.40 

151.45 

161.54 

169.18 

173.95 

175-30 

58 

133-87 

148.68 

161 .70 

172.55 

180.87 

186.19 

187.89 

59 

143.04 

158.85 

172.76 

184.43 

193.48 

199.36 

201.45 

60 

I5L77 

168.63 

183.53 

196.14 

206.01 

212.58 

215.17 

61 

160.88 

1^8.82 

194.79 

208.38 

219.13 

226.45 

229.62 

62 

170.08 

189.19 

206.25 

220.88 

232.56 

240.72 

244.55 

63 

179.36 

199.65 

217.85 

233.55 

246.26 

255-32 

259.90 

64 

188.67 

210.18 

229.55 

246.40 

260.18 

270.22 

275.67 

<55 

197.96 

220.70 

241.30 

259-33 

274.24 

285.38 

291.74 

20Yr.Term 


Comb.4% 


Of 

Life  Insurance. 

461 

Table  No.  CLXVIL— Concluded. 

NET  ANNUAL  PREMIUMS  AND  TERMINAL  NET  VALUES  PER 

Siooo  ON  TWENTY-YEAR  TERM  POLICIES,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Age. 

Terminal  Net  Values  at  the  End  of 

14th 

15th 

16th 

17th 

18th 

19th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6-73 

6.21 

5-49 

4-52 

3-30 

I.80    " 

21 

7.07 

6.53 

5-77 

4-75 

3-46 

I.89 

22 

7-44 

6.88 

6.05 

4-99 

3-64 

I.99 

23 

7.84 

7.22 

6-37 

5-25 

3.84 

2. II 

24 

8.27 

7.64 

6.76 

5.60 

4.12 

2.29 

25 

8.84 

8.20 

7.29 

6.09 

4-54 

2-55 

26 

9-56 

8.92 

8.00 

6.74 

5.06 

2.85 

27 

10.49 

9.87 

8.90 

7-59 

5-72 

3-24 

28 

11.66 

11.03 

10.07 

8.58 

6.49 

3-67 

29 

13. 11 

12.51 

11 .41 

9-73 

7-34 

4.13 

30 

14.81 

14.12 

12.89 

10.95 

8.24 

4.62 

31 

16.74 

15.86 

14.50 

12.27 

9.22 

5.17 

32 

18.84 

17.90 

16.23 

13.72 

10.28 

5-76 

33 

21 .12 

20.01 

18.10 

15.29 

11.44 

6.40 

34 

23.61 

22.32 

20.16 

17.01 

12.71 

7.10 

35 

26.23 

24.76 

22.34 

18.83 

14.05 

7.83 

3<5 

29.08 

27.41 

24.71 

20.79 

15.49 

8.65 

37 

32.12 

3°-25 

27.22 

22 .89 

17.06 

9.52 

38 

35.38 

33.27 

29.92 

25-15 

18.73 

10.43 

39 

38.76 

36.43 

32.76 

27-5i 

20.48 

11 .41 

40 

42.43 

39.87 

35-83 

30.08 

22.41 

12.50 

4i 

46.40 

43-59 

39-17 

32.92 

24.55 

13.73 

42 

50-55 

47-51 

42.74 

35-97 

26.89 

15-05 

43 

55-12 

51.87 

46.73 

39-4o 

29.48 

16.52 

44 

60.04 

56.57 

5i-o5 

43-°9 

32.27 

18.10 

45 

65.44 

6i.75 

55.78 

47.12 

35.32 

19.84 

46 

71.32 

67.36 

60.90 

5i-5o 

38.65 

21.74 

47 

77.72 

73-47 

66.48 

56.28 

42.29 

23.81 

48 

84.67 

80.10 

72.56 

61.49 

46.26 

26.08 

49 

92.17 

87.27 

79-13 

67.12 

50.56 

28.53 

5o 

100.21 

94.96 

86.17 

73-17 

55-15 

3i-i5 

5i 

108.76 

103  14 

93-68 

79.62 

60.08 

34.01 

52 

117.96 

in  .96 

101 .70 

86.58   • 

65.45 

37-11 

53 

127.68 

121 .27 

no.35 

94.04 

71 .22 

40.47 

54 

I37-96 

131-17 

119-54 

102 .05 

77-43 

44.09 

55 

148.85 

I4L73 

129.37 

110.64 

84.14 

48.05 

56 

160.39 

152.94 

139.84 

119.85 

91.38 

52.33 

57 

172.54 

164.81 

150.98 

129.71 

99-15 

56.95 

58 

185.22 

177-25 

162.77 

140.20 

107.50 

62.01 

59 

198.92 

190.74 

175.58 

151.67 

116.73 

67.61 

60 

212.90 

204.64 

188.89 

163.74 

126.50 

73-55 

61 

227.67 

219.38 

203.13 

176.67 

136.99 

80.01 

62 

243.02 

234.82 

218.09 

190.32 

148.17 

86.93 

63 

258.91 

250.85 

233.67 

204.67 

160.00 

94.33 

64 

275.28 

267.43 

249.94 

219.77 

172.64 

102.44 

65 

292.04 

284.57 

266.92 

235-76 

186.30 

m-33 

COST  OF  INSURANCE. 

Combined  Experience  Table  of 
Mortality. 

INTEREST,  FOUR  PER  CENT. 


Comb.4* 


S.P.Life 


464 

Principles 

and   Practice 

Table  No.  CLXVIII. 

COST  OF   INSURANCE  PER  $1000  OF  AN  ORDINARY  LIFE 

SINGLE    PREMIUM    POLICY,    COMBINED 

EX- 

PERIENCE,    FOUR   PER   CENT. 

Age. 

Cost  of 
Insurance. 

Age. 

Cost  of 
Insurance. 

Age. 

Cost  of 
Insurance. 

20 
21 
22 

23 

24 

5.42 

5-45 
5-48 
5.51 
5-54 

4* 
42 

43 
44 
45 

6.38 

•  6.44 

6-54 

6.68 
6.85 

62 
63 

U 

12.78 
13.32 
13.87 
14-45 
15.05 

% 
11 

29 

5.58 
5.62 
5.65 
5-70 

5-74 

46 

49 
50 

7.07 
7.3o 
7-54 
7.80 
8.08 

U 

69 
70 
71 

1567 
16.29 
16.91 

17-55 
18.19 

30 
31 
32 

33 
34 

5-79 

5.84 
5.89 
5-95 
6.00 

5i 
52 
53 
54 
55 

8.37 
8.69 
9.02 
9-36 
9.72 

72 
73 
74 

& 

18.83 
19.48 
20.13 
20.77 
21.40 

37 
38 
39 

6.05 
6.11 
6.16 
6.22 
6.27 

56 

II 

11 

10. 1 1 
10.49 
10.89 
11.32 
11.78 

0 

11 

22.05 
22.69 

23-31 
23.92 

40 

6.32 

61 

12.27 

For  ne 

t  yalue  of  an  Ordinary  Life  Single-Premium  Policy,  See  Table 

No.  CXXVIII. 

O.L. 


Comb.4% 


Of  Life   Insurance. 

465 

Table  No. 

CLXIX. 

COST  OF  INSURANCE  PER  $1000  OF   AN  ORDINARY 

LIFE 

POLICY    DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.25 

7.28 

7.32 

7-37 

7.41 

7.46 

7.51 

7.56 

21 

7-33 

7-37 

7.41 

7.46 

7-50 

7-55 

7.60 

7.66 

22 

7.41 

7.46 

7.51 

7-55 

7.60 

7.65 

7.71 

7-77 

23 

7-5i 

7.56 

7.60 

7.65 

7-7i 

7-77 

7.83 

7.89 

24 

7.61 

7.66 

7.71 

7.76 

7.82 

7.88 

7-95 

8.02 

2§ 

7.71 

7.76 

7.82 

7.88 

7-94 

8.01 

8.08 

8.15 

26 

7.82 

7.88 

7-94 

8.0O 

8.07 

8.14 

8.21 

8.29 

3 

7-94 

8.00 

8;o6 

8.13 

8.20 

8.28 

8.35 

8.42 

8  07 

8.13 

8.20 

8.27 

8-35 

8.42 

8-49 

8-57 

29 

8.20 

8.27 

8.34 

8.42 

8.49 

8.57 

8.65 

8-73 

30 

8-35 

8.41 

8.49 

8-57 

8.64 

8.72 

8.80 

8.88 

31 

8.50 

8-57 

8.65 

8.73 

8.81 

8.89 

8.96 

9.04 

32 

8.66 

8.74 

8.81 

8.89 

8-97 

905 

9-13 

9.21 

33 

8.83 

8.90 

8.98 

9.07 

9.14 

9.23 

9-31 

9.38 

34 

9.00 

9.08 

9.16 

9.24 

9-33 

9.40 

9.48 

9-56 

35 

9.18 

9.26 

9-34 

9-43 

9-5i 

9.58 

9.67 

9-77 

30 

9-37 

9-45 

9-54 

9.62 

9.70 

9.78 

9.88 

10.04 

37 

9-56 

9-65 

9-74 

9.81 

9.90 

IO.cO 

I0.I6 

10.38 

3* 

9.78 

9.86 

9-94 

10.03 

10.13 

10.29 

IO.5I 

10.78 

39 

9.99 

10.07 

10.16 

10.27 

10.43 

10.65 

IO.92 

11.27 

40 

10.21 

10.30 

10.41 

10.57 

10.80 

11.07 

II.42 

11.79 

4i 

10.45 

10  56 

10.72 

10.96 

11.23 

11.59 

11.97 

12.37 

42 

10.72 

10.89 

11. 13 

11. 41 

11.77 

12.15 

I2.56 

12.99 

43 

11.07 

11.30 

H-59 

11.96 

12.34 

12.76 

I3.20 

13.66 

44 

n.50 

11.79 

12.16 

12.55 

12.97 

13.42 

I3.9O 

14.40 

45 

11.99 

12-37 

12.77 

13.20 

13-65 

14.14 

I4.65 

1520 

46 

12.60 

13.01 

13.44 

13.90 

14.40 

14.92 

I5.48 

16.08 

47 

13.26 

13.70 

14.17 

14.67 

15.21 

15.78 

16.38 

17.00 

48 

13.97 

14.45 

14- 96 

15-51 

16.09 

16.71 

17-33 

18.01 

49 

14-75 

15-27 

15.83 

16.42 

17.05 

17.69 

18.38 

19.10 

50 

i5o9 

16.16 

16.77 

17.41 

18.06 

18.77 

19.50 

20.24 

5i 

16.52 

17.14 

17.80 

18.46 

19.18 

19.93 

20.69 

21-49 

52 

17.53 

18.20 

18.88 

19.62 

20.40 

21.16 

21.98 

22.83 

53 

18.64 

19-33 

20.09 

20.87 

21.66 

22.50 

23-38 

24-34 

54 

19.81 

20.60 

21-39 

22.19 

23.06 

23.95 

24.94 

25-97 

55 

21. II 

21.93 

22.76 

23.64 

24.56 

25.58 

26.63 

27-75 

56 

22.51 

23.36 

24  26 

25.21 

26.25 

27.33 

28.48 

29.67 

51 

24.00 

.  2493 

25.90 

26.97 

2G.08 

29.26 

30.48 

31-75 

58 

25.64 

26.63 

27-73 

28.88 

30.09 

31.34 

32.65 

34.02 

I9 

27.42 

28.55 

29.72 

30.99 

32.26 

33.61 

35-02 

36.46 

60 

29.41 

30.62 

31.92 

33-24 

34.63 

36.08 

37-57 

3911 

61 

31.58 

32.92 

34.28 

35-72 

37.22 

38.75 

40.34 

41.94 

62 

33.98 

35-39 

36.88 

38.42 

40.00 

41.65 

43.30 

44-95 

63 

36.58 

38.11 

39  71 

41-34 

43.04 

44.75 

46.46 

48.21 

64 

39-43 

41. oS 

42.76 

44-52 

46.29 

48.06 

49.87 

51.69 

65 

1 

42.53 

44.28 

46.10 

47-93 

49.76 

51.64 

53-52 

55.42 

Comb.4% 


O.L 


466 

Principles  and   Practice 

Table  No. 

CLXIX.— Continued. 

COST  OF 

INSURANCE  PER  $1000  OF  AN  ORDINARY 

LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

!  Age 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 
7-95 

Year. 

Year. 

I   20 

7.62 

7.67 

7.74 

7.81 

7.88 

8.02 

8.09 

21 

7.72 

7-79 

7.85 

7-93 

8.00 

8  07 

8.14 

8.22 

22 

7.84 

7.90 

7.98 

8.05 

8.12 

8.20 

8.27 

8-34 

23 

7.96 

8.03 

8.11 

8.17 

8.25 

8.33 

8.40 

8.47 

1   24 

8.09 

8.16 

8.23 

8.31 

8.38 

8.46 

8.53 

8  61 

u 

8.22 

8.29 

8.37 

8.45 

852 

8  60 

8.67 

8.74 

8.36 

8-43 

8.51 

.8.58 

8.66 

8.74 

8.8l 

8.88 

% 

8.5O 

8.58 

8.65 

8.73 

8.81 

8.88 

8-95 

9.05 

8.65 

8.72 

8.80 

8.88 

8-95 

9-03 

9.12 

9.26 

29 

8.80 

8.88 

8.96 

9-°3 

9.11 

9.20 

9-34 

9-55 

30 

8.96 

9.04 

9.11 

9.19 

9.29 

9-43 

9-63 

9.88 

31 

9.12 

9.20 

9  28 

9.37 

9-52 

9.72 

9-97 

10.29 

32 

9.29 

9-37 

9.46 

9.61 

9.82 

10.07 

10.39 

10  72 

33 

9.46 

9-5° 

9.71 

9.92 

10.17 

10.49 

10.83 

11.20 

34 

9.66 

9.81 

10.02 

10  28 

10.60 

10.95 

11. 31 

11.70 

9 

9.92 

10.14 

10.39 

10.72 

11.07 

11.44 

11.83 

12.25 

IO.25 

10.51 

10.85 

11.20 

11-57 

11.97 

12.39 

12.85 

37 

IO.64 

10  98 

11.32 

11. 71 

12. 11 

12.54 

13-00 

13-49 

38 

II. 12 

11.48 

11.86 

12.26 

12.70 

13.17 

13.66 

14.18 

39 

II.63 

12.02 

12.43 

12.87 

13-34 

13.84 

14-37 

14.91 

40 

12.19 

12.60 

13-05 

13  53 

14.03 

14.57 

15.12 

I5.7I 

4i 

I2.79 

13-24 

13.73 

14.24 

14  79 

15-34 

15.94 

16.56 

42 

13-45 

13-94 

14.46 

15.01 

15.58 

16.19 

16.82 

17.45  ' 

43 

I4.16 

.    14.69 

1525 

15.83 

16.45 

17.09 

17.73 

18.42  j 

44 

I4.94 

15-51 

16.09 

16.72 

17.38 

18.03 

18.73 

19.46 ; 

45 

15-78 

16.38 

17.02 

17.68 

18.35 

19.06 

19.80 

20.62 1 

46 

16.67 

17.33 

18.01 

18.68 

19.41 

20.16 

21.00 

21.86 

47 

17.66 

18.35 

19.04 

19.78 

20.55 

21.40 

22.28 

23.22 

48 

18.7I 

19.42 

20.17 

20.95 

21.82 

22.72 

23.68 

24.66 

49 

19.82 

20.58 

21.38 

22.26 

23.18 

24.16 

25.16 

26.22 

50 

2I.02 

21.84 

22.74 

23.68 

24.67 

25.70 

26.78 

27.90 

5i 

22.32 

23.24 

24.20 

25.22 

26.27 

27.37 

28.52 

29.69  1 

52 

23-78 

24.76 

25  80 

26.87 

28.00 

29.17 

30.37 

31.61 

53 

25.34 

26.41 

27-51 

28.66 

29.86 

31.09 

32.36 

33-65 

54 

27.06 

28.18 

29.36 

30.59 

31.85 

33.16 

34-48 

35.79 

\9 

28.9O 

30.11 

31-37 

32.66 

34.oo 

35-36 

36.71 

38.0c 

3O.9I 

32.20 

33-53 

34-9° 

36.29 

37-68 

39-09 

40. 5  \ 

57 

33-08 

34-44 

35.86 

37.28 

38.71 

40.16 

41.63 

43.IO 

58 

35-42 

36.87 

38.34 

39-8o 

41.30 

42.81 

44-33 

45-84 

59 

37.96 

39.46 

40.97 

42.51 

44.06 

45.63 

47.19 

48.76 

60 

40.66 

42.22 

43-81 

45.40 

47.01 

48.62 

50.24 

51.85 

61 

43-54 

45.18 

46.83 

48.49 

50.15 

51.82 

53.48 

55-u 

62 

46.65 

48.35 

50.06 

51-77 

53-50 

55-21 

56.90 

58.61 

63 

49.96 

51-74 

53.5o 

55-29 

57.06 

58.80 

60.57 

62  34  ; 

64 

53-52 

55-35 

57.19 

59-Q3 

60.83 

62.66 

64.49 

66.26 

65 

57.31 

59.22 

61.12 

62.99 

64.88 

66.78 

68.61 

70.38 

O.L. 


Comb.4* 


Of  Life  Insurance. 


467 


Table  No.  CLXIX.— Continued. 

COST  OF  INSURANCE  PER  $1000  OF  AN  ORDINARY  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 


Age, 


20 
21 
22 

23 

24 

li 
% 

29 
30 
31 
32 
33 

34 

36 
37 
38 
39 
40 

4i 
42 

43 
44 

9 

47 

48 
49 
5o 
5i 
52 
53 
54 

II 

II 
U 

61 
62 

A3 
65 


17th 

Year. 


9.I9 

9-47 
9-79 
10.19 
10.62 
11.08 
11.58 

12.12 
12.70 

13-33 
14.00 
14.71 

15-49 
16.32 

17.19 
18.13 
19-13 
20.26 
21.47 
22.78 
24.18 

25.69 
27.32 
29.04 
30.91 
32.87 
34-93 
37.14 

39-48 
41.96 
44-58 
47-37 
50.32 
53-44 

56.77 
60.32 
64.05 
67.97 
72.03 


18th 

Year. 


8.23 
8.36 

8.49 
8.6l 

8-75 
8.9I 
9.12 

9-39 
9.70 
10.10 
10.52 
10.97 
11.46 
11.99 

12.56 
13-17 
13.84 
14-53 
15.29 
16.10 
16.94 

17-85 
18.83 

19-93 
21.10 

22.37 

23-73 
25.19 

26.77 
28.44 
30.24 

32.13 
34-12 
36.25 
38.50 

40.88 

43-39 
46.06 
48.89 
51.86 
55.04 

58.43 
61.98 

65.71 
69.56 
73-51 


19th 

Year. 


8.31 
8-43 
8.56 
8.69 
8.84 
9-05 
9-3i 

9.62 
10.01 
10.43 
10.87 

U-35 
11.87 
12.43 

13-03 
13.68 

14-35 
15.10 
15.89 
16.71 
17.59 

18.55 
19.61 
20.75 
21.98 
23.30 
24.72 
26.25 

27.87 
29.61 
31-44 
33-36 
35-41 
37-57 
39-83 

42.27 
44.84 

47-54 
50.38 
53-42 
56.65 

60.03 
63.58 
67.24 
71.00 

74.88 


20th 

Year. 


8.38 
8.50 
863 
8.78 
8.98 
9.24 
9-53 

9-93 
10.33 
10.78 
11.25 

H-75 
12.30 
12.89 

13.53 
14.19 
14.92 
15.69 
16.49 

17.35 
18.28 


21st 

Year. 


8-45 
8.58 
8.72 
8.92 
9.18 
9.48 
9-85 

IO.25 

IO.68 

II. 15 
II.64 
I2.I8 
12.76 
13.39 

14.O4 
14.75 
I5.50 
16.28 
17.12 
18.03 
19.03 


22d 

Year. 


19-31 

20.11 

20.42 

21.28 

21.62 

22.52 

22.90 

23.86 

24.28 

25.29 

25.76 

26.82 

27.33 

28.45 

29.01 

30.17 

30.78 

31.96 

32.64 

33.87 

34.62 

35.88 

36.70 

38.00 

38.91 

40.23 

41.22 

42.60 

43.68 

45.09 

46.27 

47.69 

48.99 

50.47 

51.90 

53-41 

54.98 

56.49 

58.21 

59-71 

61.58 

63.03 

65.07 

66.41 

68.63 

69.91 

72.32 

73-47 

76.07 

77-25 

8.52 

8.66 
8.86 
9.11 
941 
9.78 
10.17 

10.60 
11.05 

H-54 
12.07 
12.64 
13-25 
13.89 

14.58 
15.32 
16.09 
16.91 
17.79 
18.77 
19.82 

20.96 
22.16 
23.46 
24.85 
26.33 
27.92 
29.58 

31.32 
33-i6 
35-IO 
37.15 
39-3Q 
41.58 
43.96 

46.46 
49.12 
51-94 

54-88 

57-95 
61. 11 

64.33 
67.65 
71.02 
74-60 
78.41 


23d 

Year. 


8.6l 
8.80 
9-05 
9-34 
9.70 
10.09 
10.51 

10.96 
11.44 
11.96 
12.52 
13.12 
13-75 
14-43 

15-15 

15.90 
16.71 

17-57 
18.53 
19-55 
20.65 

21.83 
23.09 
24.44 
25.88 
27.42 
29.03 
30.71 

32.50 
34-37 
36.35 
38.42 
40.61 
42.91 
45.31 

47.86 
50.56 
53.36 
56.29 

59-31 
62.37 

65.52 
68.72 
72.12 
75.72 
79-54 


24th 

Year. 


8-74 
8-99 
9.28 

9.64 
I0.02 

I0.43 
IO.87 

ii-35 

11.86 
12.41 
13.00 
13.61 
14.28 
14.99 

15.73 
16.52 
17.36 
18.29 
19.29 
20.37 
21.51 

22.74 
24.06 

25-45 
26.94 
28.51 
30.14 
31.87 

33-68 
35-59 
37-59 
39-7o 
41.91 
44.22 
46.67 

49.26 
51-95 
54-74 
57-61 
60.53 
63.53 

66.56 
69.79 
73.20 
76.81 
80.79 


Comb.4* 


O.L. 


468 


Principles  and  Practice 


Table  No.  CLXIX.— Continued. 

COST  OF  INSURANCE  PER   $1000  OF  AN  ORDINARY  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE.  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

u 

3 

29 
30 
3i 
32 
33 

34 

U 
U 

39 
40 

41 
42 

43 

44 

9 

47 

48 
49 
So 
5i 
52 
53 
54 

$ 

% 
U 

61 
62 

*3 
65 


25  th 

Year. 


26th 

Year. 


8-93 
9.22 

9-57 

9-95 

10.36 

10.79 

11.26 

11.76 
12.30 

12.88 
13.49 
14  15 
14.84 
15.56 

16.33 
17.16 
18.07 
19.05 
20.10 
21.22 
22.41 

23.69 
25.05 
26.49 
28  01 

29-59 
31.27 

33.03 

34-88 
36.81 
38.84 
40.98 
43.20 

45  55 
48.03 

50.61 
53-29 
56.03 
58.80 
61.65 
64.54 

67.59 
70.83 

74.25 
78.03 
82.24 


9.16 

9.51 
9.88 
10.28 
10.71 
11. 17 
11.67 

12.20 
12.77 

13-37 
14.01 
14.70 
15.40 
16.16 

16.97 

17.87 
18.82 
19.85 
20.94 
22.11 
23  35 

24.67 
26.07 

27.55 
29  08 

30.71 
32.41 
34.20 

36.07 
38.03 
40.09 
42.23 

44-49 
46  88 

49-35 

51.92 
54-54 
57.18 
59-90 
62.63 

65.54 

68.61 
71.85 
75-43 
79-43 
83.70 


27th 

Year. 


9-45 
9.82 
I0.2I 
IO.64 
II.09 
II.58 
I2.IO 

12.67 

13-25 
13.89 
14  56 
I5.25 
16  OO 
16.79 

17.67 
18.60 
I9.61 
20.67 
21.82 
23.03 
24.31 

25.68 
27.II 
28.60 
30.I8 
31  82 
33.56 
35-37 

37  27 
39-25 
41.32 
43.50 
45-79 
48.17 
50.63 

53-13 
55-66 
5824 
60  85 
63.60 
66.52 

69.60 

72.99 
76.63 
80.84 
85.40 


28th 

Year. 


29th 

Year. 


9.76 
IO.15 
IO.56 
II. OI 
II.49 
I2.0I 
12.57 

13-14 
13-77 
14-43 
15. II 
15.84 
16.62 
17.48 

18.40 
19.39 
20.43 
21-54 
22.73 
23.98 
25.31 

26.70 
28.15 
29.68 
31.28 
32.96 
34-71 
36.55 

38.47 
40.45 
42.56 
44-77 
47-05 
49-41 
5I.8I 

54-23 
56.70 
59-17 
6i.79 
64.55 
67.48 

70.70 
74.30 
78.14 
82.47 
87.45 


10.09 
10.50 
10.94 
11. 41 
11.92 
12.47 
13.04 

13.66 
14-31 
14.98 
I5-70 
16.46 

17.31 
18.21 

19.17 
20.19 
21.28 
22.44 
23.66 
24.96 
26.33 

27.72 
29.21 
30.76 
32.39 
34.08 
35-86 
37-72 

39.64 
41.67 
43-8o 
46.00 

48.27 
50.57 
52.88 

55.24 
57.60 
60.09 
62.71 
65-49 
68.54 

71.96 
75.6i 
79-73 
84.45 
89.88 


30th 

Year. 


10.43 
IO.87 

II  34 
II.84 
12.38 
12-94 
13.55 

14.19 

14.85 
15.56 
16.31 

17-14 
18.02 

18.97 

19.97 
21.04 
22.17 
23-37 
24.63 
25.95 
27.32 

28.76 
30.27 
31.85 
33-49 

35-22 

37.02 

38.87 

40.83 
42.89 

45-oo 
47.18 
49.40 
51.61 
53-86 

56.12 

58.49 
60.99 
63.62 
66.52 
69.76 

73.24 
77-15 
81.64 
86.80 
92.58 


31st 
Year. 


IO.80 
11.26 
II.76 
12.29 

12.85 

13.45 
I4.08 

14.73 
15-42 
16.16 
16.98 
17.85 
18.78 
I9.76 

20.81 
21.92 
23.O9 
24.32 
25.61 
26.94 
28.35 

29.81 
31.34 
32.94 
34-61 

36  35 
38.15 
40.04 

42.02 
44.06 
46.16 
48.29 
50.41 
52.57 
54.72 

56.98 
59-36 
61.86 
64.62 
67.71 
71.01 

74.72 
7900 

83.91 
89.41 
96.66 


32d 

Year. 


II. 19 
11.68 
12.21 
I2.76 
13-35 
13.97 
I4.61 

I5.29 
I6.02 
16.83 
17-68 
18.60 
I9.56 
20-59 

21.68 
22.82 
2403 
25.29 

26.59 
27.96 
29.38 

30.86 
32.41 
34-04 
35-72 
37.46 
39  29 
41.21 

43.18 
45.20 
47-25 
49.29 

51.35 
53.41 

55-57 

57.84 
60.22 
62.84 
65.78 
68.92 
7245 

76.51 
81.20 
86.43 
93-35 
100.35 


O.L. 


Comb.4% 


Op  I,ifk  Insurance. 

469 

Table  No.  CLXIX.— Continued. 

COST  OF 

INSURANCE  PER  $1000  OF   AN  ORDINARY  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

i 

EXPERIENCE,  FOUR  PER 

CENT 

Age. 
20 

33d 

34th 

35th 

36th 

37th 

38th 

39th 

40th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

II. 6l 

I2.o6 

12.51 

13.OO 

13.51 

14.02 

14.56 

15.13 

21 

12.13 

12.59 

13.08 

13-59 

14  IO 

14.65 

15.22 

15.85 

22 

12.67 

13.16 

13.68 

14.20 

14.74 

15.32 

15.95 

l6.6l 

23 

13.25 

13- 77 

14.29 

14.84 

15.42 

16.06 

16.72 

17.42 

24 

13.87 

14.39 

14-95 

15.53 

16.17 

16.84 

17.55 

18.28 

U 

14.50 

15.06 

15.64 

16.29 

16.96 

17.68 

18.41 

I9.18 

15.17 

15.76* 

16.42 

17.09 

17.81 

18.55 

19-33 

20.14 

11 

15.89 

16.55 

17.23 

17.95 

18.70 

I948 

20.30 

21.13 

16.68 

17-37 

18.IO 

18.86 

19.65 

20.47 

21.31 

22.18 

|  29 

17.52 

18.26 

19.02 

19.82 

20.64 

21.49 

22.38 

23.27 

i  30 

18.42 

19.19 

20.00 

20.83 

21.69 

22.58 

23.48 

24.37 

1  3i 

19-37 

20.18 

21.03 

21.89 

22.79 

23.70 

24.60 

25-53 

32 

20.38 

21.23 

22.11 

23.OI 

23-93 

24.84 

25.78 

26.72 

33 

21.45 

22.33 

23.25 

24.17 

25.10 

26.04 

26.99 

27.95 

34 

22.57 

23-50 

24.43 

25.36 

26.32 

27.28 

28.25 

29.21 

35 

23.76 

24.70 

25.64 

26.61 

27.58 

28.56 

29-54 

30.52 

36 

24.99 

25-94 

26.92 

27.90 

28.89 

29.88 

30.87 

31.86 

!  37 

26.26 

27-25 

28.24 

29.24 

30.24  , 

31.25 

32.25 

33.24 

38 

27-59 

28.60 

29.61 

30.63 

31.65 

32.66 

33-66 

34-67 

39 

28.98 

30.01 

3I.03 

32.07 

33-IO 

34.11 

35-13 

36.16 

40 

30.43 

31.46 

32.51 

33.56 

34.58 

35.62 

36.66 

37.67 

41 

31.93 

33-oo 

34-OI 

35.09 

36.14 

37-20 

38.22 

39.21 

42 

33-50 

34-57 

35-63 

36.70 

37-77 

38.81 

39.81 

40.74 

43 

35.13 

36.20 

37-29 

38.38 

39-43 

40.45 

41.40 

42.25 

44 

36.81 

37-92 

39.03 

4O.IO 

4I-I3 

42.09 

42.96 

43-76 

i  45 
!  46 

38.59 

39-71 

4O.80 

41.86 

42.84 

43-70 

44-53 

45-24 

40.44 

41-55 

42.62 

43.62 

44.52 

45-35 

46.07 

46.78 

1  47 

42.34 

43-43 

44-45 

45-37 

46.21 

46.95 

47.67 

48.39 

48 

44.29 

45-33 

46.27 

47.12 

47-88 

48.62 

49-34 

50.05 

49 

46.26 

47.22 

48.O9 

48.86 

49.61 

50.36 

51.08 

51.89 

50 

48.22 

49.12 

49.9O 

50.67 

51.43 

52.17 

52.99 

53-94 

5i 

50.20 

51.00 

51-79 

52.56 

53-33 

54.17 

55-02 

56.12 

52 

52.17 

52.98 

53-77 

54-54 

55.41 

56.40 

57.40 

58.56 

53 

54-23 

55-04 

55-84 

56.72 

57-74 

58.76 

59-95 

61.39 

54 

56.40 

57-21 

58.12 

59.16 

60.21 

61.43 

62.90 

64.65 

3 

58.67 

59-6o 

60.67 

61.74 

63.00 

64.50 

66.30 

68.29 

61.17 

62.27 

63-37 

64.66 

66.22 

68.05 

70.10 

73-19 

12 

63.97 

65.11 

66.42 

68.02 

69.91 

72.OI 

75.19 

78.06 

66.95 

68.31 

69.94 

71.89 

74.05 

77.32 

80.27 

77.56 

% 

70.31 

72.00 

74.00 

76.23 

79-59 

82.63 

80.02 

69.89 

74.18 

76.25 

78.54 

82.01 

85.14 

82.45 

72.01 

61 

78.65 

81.01 

84.58 

87.81 

85.04 

74.27 

62 

83.64 

87-33 

90.66 

87.80 

76.68 

63 

90.24 

93-69 

90.74 

79-25 

64 

96.92 

93-86 

81.98 

65 

97.19 

84.88 

Comb.4* 


O.L 


470 

Principles  and 

Practice 

Table  No.  CLXIX.— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  AN  ORDINARY 

LIFE 

POLICY  DURING  VARIOUS   YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT 

41st 

42d 

43d 

44th 

45th 

46th 

47th 

48th 

Age. 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

15.75 

16.4O 

17.09 

17.80 

18.54 

I9.32 

20.II 

20.94 

21 

16.50 

I7.20 

17.91 

18.66 

19.44 

20.24 

21.07 

21.91 

22 

17-31 

18.03 

18.78 

19-57 

20.37 

21.21 

22.05 

22.89 

23 

18.15 

18.91 

19.70 

20.51 

21-35 

22.20 

23.05 

23.92 

24 

19.04 

19.84 

20.66 

21.50 

22.36 

23.21 

24.08 

24.96 

3 

19.98 

20.8I 

21.66 

22.52 

23.38 

24.26 

25.I5 

26.04 

20.97 

21.83 

22.70 

23.56 

24.45 

25.34 

26.24 

27.14 

2 

22.00 

22.88 

23.75 

24.64 

25-54 

26.45 

27.35 

28.26 

23.07 

23-95 

24.85 

25.76 

26.67 

27.58 

28.50 

29.41 

29 

24-15 

25.06 

25.98 

26.90 

27.82 

28.75 

29.67 

30.57 

30 

25.29 

26.21 

27.14 

28.07 

29.OI 

29-93 

30.85 

31.78 

31 

26.46 

27.40 

28.33 

29.28 

30.22 

31.14 

32.08 

33-OI 

32 

27.67 

28.61 

29.56 

30.5I 

31.44 

32.39 

33-34 

34.25 

33 

28.90 

29.87 

30.83 

31.77 

32.72 

33-68 

34.60 

35-49 

34 

30.I8 

3i  15 

32.11 

33.07 

34.03 

34-97 

35.87 

36.71 

u 

3I-50 

3246 

33-44 

34  41 

35-36 

36.27 

37.12 

37-89 

32.84 

33.83 

34.8i 

35-77 

36.69 

37-55 

38.33 

39-04 

11 

34-24 

35.24 

36.20 

37.14 

38.01 

38.79 

39-51 

40.14 

35-68 

36.66 

37.61 

38.49 

39.28 

40.0I 

40.65 

41.28 

39 

37-15 

38.11 

39-00 

39.81 

40.55 

4I.I9 

41.83 

42.46 

40 

38.64 

39-55 

40.36 

41. II 

41.77 

42.41 

43-05 

43.67 

41 

40.12 

40.95 

41.71 

42.38 

43.03 

43-68 

44-31 

45.01 

42 

41.58 

42.35 

43-03 

43-69 

44-35 

44.99 

45.70 

46.52 

43 

43.04 

43.72 

44.40 

45.06 

45.71 

46.43 

47.27 

48.11 

44 

44.46 

45-15 

45.82 

46.48 

47-22 

48.06 

48.92 

49.91 

? 

45-94 

46.63 

47-30 

48.05 

48.91 

49.78 

50.79 

52.00 

47.48 

48.17 

48.93 

49.81 

50.69 

51-72 

52.96 

54-43 

47 

49.08 

49.86 

50.75 

51.66 

52.70 

53.97 

55-47 

57.13 

48 

50.85 

51.76 

52.68 

53-74 

55.03 

56.57 

58.26 

60.84 

49 

52.82 

53.76 

54.85 

56.16 

57.72 

59-46 

62.08 

64.45 

50 

54-90 

56.02 

57.36 

58.95 

60.73 

63.4O 

65.82 

63.75 

5i 

57-25 

58.63 

60.26 

62.07 

64.81 

67.28 

65.16 

56.91 

52 

59-97 

61.64 

63.49 

66.29 

68.82 

66.65 

58.21 

S3 

63.10 

65.00 

67.86 

70-45 

68.23 

59-59 

54 

66.60 

69.53 

72.19 

69.9I 

61.06 

n 

71.30 

74.03 

71.69 

62.61 

75.98 

73.58 

64.27 

is 

75.60 

66.03 

67.90 

5Pay.L. 


Comb.4% 


Of  Life  Insurance. 


47i 


Table  No.  CLXX. 
COST  OF  INSURANCE  PER  $1000  OF  A  FIVE-PAYMENT 
LIFE  POLICY   DURING  VARIOUS  YEARS,  COM- 
BINED EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

% 

27 
28 
29 

30 
31 
32 

33 
34 

9 

37 
38 
39 
40 

4i 

42 

43 
44 

46 

42 
48 

49 
50 
51 
52 
53 
54 

sl 
56 

57 
58 
59 
60 
61 
62 
63 
£4 

65 
66 
67 
68 
69 


1st 

Year. 


6.92 
7.OO 

7.07 
7.16 
7-25 
7-34 
7-44 
7-54 
7.65 
7-77 

7-9° 
8.03 

8.18 

8-33 
8.48 
8.64 
8.81 
8.98 
9.17 
9-36 

9-55 
9-77 
10.00 
10.31 
10.69 
Ji.14 
11.69 
12.28 
12.92 
13.61 

14.39 
15.22 
16.13 
17.12 
18.17 

19-33 
20.60 
21.94 

23.41 
25.02 

26  80 
28.76 
30.91 
33  25 
35  82 
38.62 
41.66 

44  99 

48.58 

52.43 


2d 

Year. 


6.6l 
6.68 

6.75 
6.82 
6.9O 
6.99 

7.07 
7.17 
7.27 
7.38 

7-49 
7.61 

7-74 
7.86 
8.00 
8.14 
8.28 
8.44 
8-59 
8.75 

8.92 
9.12 

9-37 

9.70 

10.07 

10.54 

11.04 

H-59 
12.18 
12.82 

13-52 
14.29 
15.12 
16. or 
16.98 
18.03 
19.14 
20  36 
21.69 
23.18 

24.79 

26  57 
28.50 
30.62 
32.93 
35-43 
38.17 
41.12 
44.29 
47-74 


3d 

Year. 


6.28 

6.34 
6.40 
6.46 

6-53 
6.60 

6.68 
6.76 
6.85 
6.94 

7.04 
7.14 
7.24 

7-35 
7-47 
7.58 
7-70 

7.82 

7-94 
8.07 

8.23 

8-43 
8.69 
9.00 

9-39 
9.80 
10.24 
10.73 
n.25 
11.82 

12.44 
13.11 
13.81 
14-59 
15.43 
16.30 
17.26 
18.30 
19.46 
20.72 

22.10 

23.59 
25-23 
27.00 
28.92 
3101 
33-26 
35-66 
38.28 
41.08 


4  tb 
Year. 


5-93 
5.98 
6.02 
6.08 
6.13 
6.19 
6.25 
6.32 

6-39 
6.47 

6.55 
6.62 
6.70 
6.79 
6.87 
6.96 
7-05 
7-13 
7.23 
7-33 

7-49 
7.69 

7-93 
8.23 

8.55 
8.90 
9.27 
9.67 
10.10 
10.57 
11.07 
11.60 
12.17 
12.78 
13.42 
14.10 
14.84 
15.66 
16.54 
I7.5I 

18.53 
19.64 
20.84 
22.12 

23.51 
24.98 
26  54 
28.22 
30.01 
31.94 


Comb.4% 


lOPay.L 


472 

Principles 

and  Practice 

Table  No.  CLXXI. 

1 

COST  OF  INSURANCE  PER  $1000 

OF   A 

TEN-PAYMENT 

LIFE  POLICY,   DURING  VARIOUS  YEARS, 

COM. 

BINED  EXPERIENCE,  FOUR  PER  CENT. 

1st 

2d 

3d 

4th 

5th 

6  th 

7  th 

8th 

9th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.II 

7.OO 

6.88 

6.76 

6.62 

6-47 

6.31 

6.14 

5-95 

21 

7.I9 

7.08 

6.96 

6.83 

6.69 

6-54 

6-37 

6.20 

6.00 

22 

7.27 

7.16 

7.04 

6.9I 

6.77 

6.6l 

6.44 

6.26 

6.06 

23 

7.36 

7.25 

7.12 

6.99 

6.84 

6.69 

6.51 

6.33 

6.12 

24 

7.46 

7.34 

7.22 

7.08 

6.93 

6.77 

6.59 

6.40 

6.18 

li 

7.56 

7.44 

7.31 

7.17 

7.02 

6.86 

6.67 

6.47 

6.25 

7.66 

7-54 

7.42 

7.27 

7.12 

6-95 

6.76 

6-55 

6.3I 

% 

7-77 

7.66 

7.52 

7.38 

7.22 

7.05 

6.85 

6.63 

6.38 

7.90 

7-77 

7.64 

7-49 

7-33 

7.15 

6-94 

6.71 

6.45 

29 

8.03 

7.9O 

7:76 

7.61 

7-44 

7.25 

7.03 

6.79 

6.52 

30 

8.16 

8.04 

7.90 

7-74 

7-55 

7.36 

7.13 

6.87 

6-59 

31 

8.31 

8.18 

8.03 

7.86 

7.68 

7-47 

7.23 

6.96 

6.66 

32 

8.46 

8-33 

8.17 

8.00 

7.80 

7.58 

7  33 

7.05 

6-73 

33 

8.62 

8.48 

8.32 

8.14 

7-93 

7.70 

7-43 

7.13 

6.80 

34 

8.79 

8.64 

8.47 

8.28 

8.07 

7.82 

7-54 

7.23 

6.89 

9 

8.96 

8.8l 

8.63 

8.43 

8.20 

7-94 

7.65 

7.34 

7.02 

9-15 

8.98 

8.80 

8.59 

8-34 

8.07 

7.78 

7-49 

7.19 

.8 

9-38 

9.17 

8-97 

8-74 

8-49 

8.22 

7.96 

7.69 

7.39 

9-54 

9-36 

9.15 

8.92 

8.67 

8-43 

8.19 

7-93 

7.65 

39 

9-74 

9  55 

9-34 

9.II 

8.90 

8.69 

8.46 

8.23 

7.92 

40 

9-95 

9.76 

9-55 

9-36 

9.19 

8.99 

8.81 

8-55 

8.22 

4i 

10.19 

10.00 

9-83 

9.68 

9-53 

9-38 

9.17 

8.89 

8-53 

42 

10.45 

10.30 

10.19 

IO.06 

9-95 

9-79 

9- 56 

9.26 

8.87 

43 

10.78 

10.69 

10.60 

IO.52 

10.41 

10.23 

9.99 

9.67 

9.24 

44 

11. 19 

11. 13 

11. 10 

H.03 

10.90 

10.72 

10.45 

10.10 

9-63 

% 

11.67 

11.68 

11.65 

n-57 

11.44 

11.24 

10.95 

io.57 

10.05 

12.27 

12.27 

12.24 

12.16 

12.02 

11. 81 

11.50 

11.07 

10.48 

% 

12.90 

12.91 

12.89 

12.81 

12.66 

12.43 

12.09 

11.60 

10.96 

13.59 

13.61 

13-59 

13.51 

13-36 

13-10 

12.71 

12.18 

11.46 

49 

14.34 

14.38 

14.36 

14.28 

14. 1 1 

13-82 

13.39 

12.80 

11.97 

50 

15.16 

15-21 

15.20 

15.12 

14.91 

14.60 

14.12 

13.44 

12.52 

5i 

16.05 

16.12 

16.12 

16.01 

15.80 

15-44 

14.89 

14.13 

13.11 

52 

17.04 

17.11 

17.09 

16.99 

16.75 

16.33 

15.72 

14.88 

13.76 

53 

18. 11 

18.17 

18.17 

18.05 

17.76 

17.30 

16.63 

15-72 

14.46 

54 

19-25 

19-34 

19.33 

19.17 

18.86 

18.35 

17.64 

16.61 

15.21 

55 

20.51 

20.61 

20.56 

20.40 

20.05 

19.53 

18.73 

17-59 

16.01 

56 

21.87 

21-95 

21.92 

21  73 

21.40 

20.81 

19-93 

18.64 

16.86 

% 

23.32 

23.42 

23-39 

23.24 

22.86 

22  22 

21  22 

19.79 

17.78 

24.91 

25.03 

25.05 

24.87 

24.47 

23-75 

22.64 

21.02 

18.75 

59 

26.65 

26.83 

26.85 

26.68 

26.22 

25.42 

24.17 

22.34 

19.79 

60 

28  60 

28.80 

28.84 

28.64 

28.14 

27.24 

25.84 

23.79 

20.89  | 

15Pay.L. 


Comb.4% 


Of   Life;   Insurance. 

473 

Table  No.  CLXXII. 

COST  OF  INSURANCE  PER  $1000  FIFTEEN  PAYMENT  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE.  FOUR   PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

«th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.17 

7.13 

7.08 

703 

6-97 

6.9I 

6.84 

6.77 

21 

7.25 

7.20 

7.16 

7.II 

7.05 

6.99 

6.92 

6.85 

22 

7-33 

7.29 

7.24 

7.20 

7.14 

7.08 

7.02 

6.94 

23 

7-43 

7-36 

7-34 

7.29 

7-23 

7.17 

7.IO 

7.03 

24 

7-53 

7.48 

744 

739 

7-34 

7.27 

7.21 

7.12 

2| 

7.63 

759 

7-54 

7.48 

743 

7-37 

7-31 

7.24 

26 

7-74 

771 

7.64 

7.61 

7-55 

7-49 

7.42 

7-34 

3 

7.86 

7.82 

7-77 

7.72 

7-67 

7.61 

7-54 

7.46 

7-97 

7.93 

7.90 

7-85 

7.80 

7-73 

7-65 

7-57 

29 

8.10 

8.07 

8.02 

7.98 

7-93 

7.86 

'7.78 

7.69 

30 

8.25 

8.21 

8.18 

8.13 

8.06 

8.00 

7.90 

7.80 

31 

8.38 

8.36 

8.32 

8.26 

8.21 

8.14 

8.04 

7-94 

32 

8.56 

8.52 

8.47 

8.42 

8-35 

8.25 

8.18 

8.06 

33 

8.72 

8.6q 

8.64 

8.58 

8.51 

8.42 

8.32 

8.20 

34 

8.8g 

8.84 

8.81 

8.74 

8.67 

8.57 

8-47 

8-34 

35 

9.08 

9.02 

8.98 

8.90 

8.83 

8.73 

8.62 

8.51 

36 

9.26 

9.21 

9-i5 

9.09 

9.00 

8.88 

8.80 

8.72 

U 

9-45 

9.40 

9.34 

9.27 

9.18 

9.10 

9°3 

8-99 

9-65 

9.61 

9-54 

9.46 

9-39 

9-34 

9-33 

9-34 

39 

9.86 

9-79 

9-75 

9.69 

9-65 

9.66 

9.67 

9-73 

40 

10.08 

9.98 

9.96 

9-97 

9.99 

10.03 

10. 1 1 

10.17 

4i 

10.32 

10.28 

10.28 

10.33 

10.38 

10.49 

10.57 

10.64 

42 

10.59 

10.59 

10.66 

10.74 

10.88 

10.98 

11.09 

11.15 

43 

10.92 

11.00 

11. 11 

11.26 

11.40 

"•53 

11.63 

11. 71 

44 

H-33 

11.47 

11.66 

11. 81 

11.98 

12. 11 

12.23 

12.32 

9 

11.84 

12.04 

12.24 

12.43 

12.59 

12.75 

12.88 

12.98 

12.44 

12.67 

12.88 

13.09 

13.27 

13.46 

13.60 

I37I 

% 

13.08 

13-33 

13.60 

13-77 

14.03 

14.22 

14-39 

14.48 

13-80 

14.06 

14-33 

14-59 

14.83 

1505 

15.21 

15.32 

49 

14.56 

14.86 

15.16 

15-45 

15.72 

15-93 

16.12 

16.23 

So 

15-39 

15-73 

16.06 

16.38 

16.65 

16.90 

17.10 

17.20 

5i 

16.31 

16.70 

17.06 

17-39 

17.69 

17.96 

18.14 

18.25 

52 

17-31 

17-73 

18.11 

18.48 

18.81 

19.08 

19.27 

19-39 

53 

18.41 

18.84 

19.27 

19.67 

20.01 

20.29 

20.51 

20.67 

54 

19-57 

20.07 

20.52 

20.93 

21.31 

21.62 

21.89 

22.06 

P 

20.86 

21.39 

21.87 

22.31 

22.72 

23.04 

23.4c 

23.60 

22.26 

22.79 

23.33 

23.82 

24.31 

24.73 

25.07 

25.26 

9E 

23-74 

24-33 

24.92 

25.51 

26.02 

26.52 

26.86 

27.08 

25.35 

26.04 

26.71 

27.36 

27.96 

28.45 

28.84 

29.07 

59 

27.14 

27.92 

28.65 

29.38 

30.02 

30.57 

31-00 

31.23 

60 

29.12 

29.96 

30.82 

31.58 

32.30 

32.90 

33-34 

33-6o 

ComA% 


15Pay.L 


474 

/ 

Principles  and  Practice 

Table  No.  CLXXIL— Concluded. 

COST  OF  INSURANCE  PER  $1000  FIFTEEN-PAYMENT  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

9th 

lOth 

llth 

12th 

13th 

14th 

15th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year 

20 

6.69 

6.61 

6.5I 

6.39 

6.28 

6.16 

6.00 

21 

6-v 

6.85 

6.68 

6.58 

6.48 

6-35 

6.21 

6.05      1 

22 

6.77 

6.67 

6.55 

6.41 

6.28 

6.II 

23 

6-95 

6.86 

6-75 

6.63 

6.49 

6.33 

6.16      | 

24 

7.05 

6.94 

6.83 

6.71 

6.57 

6.40 

6.22      J 

% 

7.14 

7.04 

6-93 

6.79 

6.63 

6.46 

6.27 

7.24 

7.14 

7.02 

6.87 

6.72 

6.55 

6.32       1 

11 

7-35 

7.24 

7.12 

6-95 

6-79 

6.59 

6.38       j 

7-47 

7.35 

7.21 

7.05 

6.86 

6.66 

6.44      i 

29 

7.58 

7-45 

7.29 

7.13 

6-94 

6-74 

6.54       1 

30 

7.68 

7-55 

7.4O 

7.22 

704 

6.85 

6.68     ; 

31 

7.81 

7.67 

7.51 

7-33 

7.17 

7.01 

6.85     ; 

32 

7-93 

7.78 

7.63 

7-49 

7-35 

7.21 

7.07     i 

33 

8.07 

7.92 

7-79 

7.68 

7-57 

7.46 

7.30 

34 

8.21 

8.10 

8.02 

7.91 

7.83 

7.72 

7.54 

n 

8.41 

8-35 

8.27 

8.22 

8.12 

8.00 

7.80 

8.67 

8.62 

8.60 

8-53 

8.44 

8.30 

8.08 

3Z 

8.98 

8.97 

8-95 

8.88 

8.77 

8.60 

8  37     j 

38 

9-35 

9-35 

932 

9.25 

9.13 

8.94 

8.69     ! 

39 

9.76 

9  77 

9.72 

9.65 

9.52 

9-3i 

9.02    ; 

40 

10.20 

10.20 

10.16 

10.07 

9.92 

9.69 

9.36    i 

4i 

10.68 

10.68 

10.64 

io.53 

10.38 

10.10 

9-72    ! 

42 

11.20 

11.20 

11. 15 

11.04 

10.84 

10.52 

IO.  1 1       i 

43 

11.76 

11.76 

11. 71 

11-57 

11.34 

11. 01 

10.49    i 

44 

12.37 

12.38 

12.30 

12.15 

11.88 

11-45 

IO.89      ! 

4§ 

13.05 

13-03 

12-94 

12.76 

12.43 

11.97 

11.32 

46 

13.76 

13-75 

13.64 

1340 

13.03 

12.50 

11.78      j 

tl 

14-54 

14.50 

14.36 

14.09 

13.68 

13-10 

12.27 

15-38 

15.31 

I5-I4 

14.84 

14.40 

13.72 

12.78 

49 

16.25 

16.19 

15.99 

15.67 

15.15 

14-39 

13.32 

50 

17.22 

17-13 

16.94 

16.57 

15.98 

15.09 

13.87 

Si 

18.28 

18.20 

17.96 

17.64 

16.87 

15.86 

14-45 

52 

19-45 

19.36 

19.10 

18.60 

17.82 

16.68 

I5-05 

53 

20.72 

20.61 

20.31 

19.76 

18.86 

17.52 

I5-67 

54 

22.13 

21.98 

21.63 

20.99 

19.94 

18.43 

16.29 

H 

23.63 

23.48 

23.07 

22.31 

21.13 

19-37 

16.9I 

25.29 

25.11 

24.62 

23.76 

22.39 

20.38 

17-55 

P 

27.11 

26.87 

26.31 

25.31 

23.71 

21.43 

18.19 

29.07 

28.80 

28.12 

26.94 

25.16 

22.53 

18.83 

59 

31-23 

30.88 

30.07 

28.74 

26.69 

23.70 

I9.48 

60 

33-55 

33." 

32.20 

30.68 

28.33 

24.92 

20.I3 

20  Pay.  L. 


Comb.4% 


Of  Life  Insurance. 

475 

Table  No. 

CLXXIII. 

COST  OF  INSURANCE  PER  $1000  TWENTY-PAYMENT  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

1st 

2d 

3d 

4th 

5th 

6th 

7fch 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.20 

7.18 

7.17 

7.16 

7.14 

7.12 

7.IO 

21 

7.28 

7.26 

7.26 

7.24 

7.23 

7.21 

7.I9 

22 

7.37 

7-37 

7-35 

7.34 

7.32 

7.30 

7.29 

23 

7.46 

7-45 

7-44 

7.43 

7.42 

7.41 

7-39 

24 

7.56 

7-54 

7-55 

7-54 

7-52 

7.51 

7.50 

25 

7.66 

7.66 

7-65 

7.65 

7.64 

7.63 

7.62 

26 

7-77 

7.78 

7.78 

7.76 

7.76 

7-75 

7.74 

27 

7.88 

7.89 

7.89 

7.89 

7.89 

7.88 

7.87 

28 

8.OI 

8.02 

8.02 

8.02 

8.02 

8.02 

8.00 

29 

8.I4 

8.16 

8.16 

8.17 

8.16 

8.15 

8.14 

30 

8.29 

8.30 

8.3I 

8.31 

8.31 

8.30 

8.29 

31 

8.44 

8-45 

8.46 

8.46 

8.46 

8.45 

8.43 

32 

8.60 

8.6l 

8.62 

8.62 

8.62 

8.60 

8.59 

33 

8.76 

8.78 

8.79 

8.79 

8.78 

8-77 

8.75 

34 

8.93 

8.95 

8.96 

8.96 

8-95 

8.94 

8.91 

$ 

9.12 

9-13 

9.14 

9.14 

9.12 

9.II 

9.08 

9-31 

9-32 

9-32 

9-32 

9.3i 

9.29 

9.28 

11 

9.50 

9-52 

9-52 

9-51 

9-51 

9-50 

9-5* 

9.71 

9.72 

9-74 

9.70 

9.72 

9-77 

9.87 

39 

9.92 

9-93 

9-93 

9.95 

10.01 

10.12 

10.25 

40 

10.14 

10.16 

10.18 

10.25 

10.37 

10.52 

10.72 

4i 

10.39 

10.42 

10.48 

10.62 

10.79 

11. 01 

11.23 

42 

10.65 

10.74 

10.88 

11.06 

11.30 

11-54 

11.79 

43 

10.99 

11. 14 

11-34 

11.60 

11.87 

12.13 

12.40 

44 

11.42 

11.63 

11.90 

12.18 

12.47 

12.76 

13.06 

9 

11.92 

12.19 

12.50 

12.82 

13.13 

13.45 

13-78 

12.53 

12.89 

13.17 

13-51 

13.84 

14.20 

14-57 

47 

13.16 

13.52 

13.89 

14-25 

14.64 

15-03 

15.42 

48 

13.89 

14.26 

14.66 

15.08 

15.50 

15.92 

16-33 

49 

14.66 

1507 

15.52 

15.97 

16.43 

16.87 

17-33 

50 

I55I 

15-97 

16.45 

16.95 

17.43 

17-93 

18.42 

5i 

16.43 

16.94 

17.47 

17.99 

18.52 

19.06 

19.56 

52 

17.44 

17.99 

18.55 

19.14 

19.70 

20.26 

20.81 

53 

18.54 

19.18 

19.76 

20.37 

20.96 

21.57 

22.17 

54 

19.71 

20.43 

21.06 

21.66 

22.34 

23.00 

23.70 

55 

21.01 

21.72 

22.41 

23.12 

23.84 

24.60 

25.35 

56 

22.41 

23.14 

23.91 

24.68 

25.51 

26.34 

27.18 

R 

23.9° 

24.69 

25.54 

26.43 

27.33 

28.25 

29.14 

25-53 

26.43 

27.37 

28.33 

29.33 

30.32 

3I-30 

59 

27.32 

28.34 

29.36 

30.43 

31.50 

32.58 

33.65 

60 

1 

29.32 

30.41 

31.55 

32.70 

33-88 

35.05 

36.20 

Comb.4% 


20Pay.L 


476 

Principles  a»d  Practice 

Table  No.  CLXXIIL— Continued. 

1 

COST  OF  INSURANCE  PER  $1000  TWENTY-PAYMENT  LIFE 

POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE,  FOUR  PER  CENT. 

Stll 

9  th 

10th 

11th 

12th 

13th 

14th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.07 

7.05 

7.0I 

6.98 

6-95 

6.9O 

6.85 

21 

7.17 

7.14 

7.12 

7.08 

7.04 

7.00 

6-94 

22 

7.27 

7.25 

7-21 

7.18 

7.14 

7.08 

7-03 

23 

7.38 

7-35 

7.32 

7.29 

7.24 

7.19 

7.13 

24 

7.48 

7.46 

7.43 

7.40 

7-35 

7.29 

7.23 

11 

7.60 

7.58 

7-54 

7.51 

7.46 

7-39 

7-33 

7.72 

7.69 

7.67 

7.62 

7-57 

7-51 

7.42 

% 

7.85 

7.82 

7.79 

7-75 

7.68 

7.61 

7.52 

7.98 

7.95 

7.91 

7.86 

7.80 

7.72 

7.64 

29 

8.12 

8.08 

8.04 

7-99 

7.92 

7.85 

7.76 

30 

8.26 

8.22 

8.18 

8.I4 

8.04 

7.98 

7.93 

31 

8.4I 

8-37 

8.31 

8.25 

8.20 

8.16 

8.16 

32 

8.56 

8.5O 

8.46 

8.4I 

8.39 

8.41 

8-43 

33 

8.71 

8.67 

8.62 

8.62 

8.65 

8.69 

8.76 

34 

8.87 

8.84 

8.84 

8.89 

8.94 

9.05 

9.12 

£ 

9.06 

9.08 

9-x3 

9.21 

932 

9.42 

9-51 

9-31 

9-38 

9.46 

9.60 

9.72 

9.84 

9.93 

i 

9.62 

9.72 

9.88 

I0.02 

10.16 

IO.28 

I0  37 

9.99 

IO.I6 

10.32 

IO.48 

10.63 

10.75 

IO.86 

39 

10.44 

IO.62 

10.81 

IO.98 

11. 14 

II.27 

II.40 

40 

10.93 

II. 13 

11-33 

11.52 

11.69 

II.85 

11-95 

41 

11.46 

11.68 

11.90 

12. II 

12.30 

12.47 

12-59 

42 

12.04 

12.28 

12.52 

12.74 

12.95 

13. II 

13.15 

43 

12.66 

12.93 

I3-I9 

13.44 

13.65 

I3.83 

I3.96 

44 

13.35 

13.65 

13.92 

I4.I8 

14.42 

14.61 

I4.72 

% 

14.10 

14.42 

14.71 

14.99 

1524 

15.41 

15.54 

14.92 

15.25 

15.58 

15.87 

16.10 

16.29 

16.41 

1 1 

15-79 

16.16 

16.51 

16.79 

17-05 

17.25 

17.42 

16.74 

17.14 

17.47 

I7.8O 

18.19 

I8.31 

18.47 

49 

17.78 

18.17 

18.55 

18.89 

19.22 

19-47 

I9.65 

So 

18.86 

19.30 

19.72 

20.I2 

20.48 

20.75 

20.92      | 

5i 

20.06 

20.53 

21.01 

2I.46 

21.84 

22.13 

22.29 

52 

21-35 

21.91 

22.43 

22.91 

23.30 

23.62 

23.78 

53 

22.80 

23.40 

23.98 

24.49 

24.92 

25.24 

25.40 

54 

24.38 

25.05 

25.66 

26.22 

26.68 

27.OI 

27.25 

3 

26.11 

26.72 

27.49 

28.IO 

28.57 

28.91 

29.02 

27.98 

28.76 

29.48 

30.I3 

30.64 

30.97 

3Lo6 

57 

30.03 

30.88 

31-65 

32.33 

32.87 

33  17 

33.25 

58 

32.26 

33.17 

34.oo 

34.72 

3524 

35.58 

35.62 

59 

34.68 

35.67 

3654 

37.27 

37.92 

38.06 

38.17 

60 

37.32 

38.35 

39.26 

4O.O4 

40.62 

40.95 

40.94 

20  Pay.  L. 


Comb.4^ 


Of  Life  Insurance. 

477 

Table  No 

CLXXIIL— Concluded. 

COST  OF  INSURANCE 

PER  $1000  TWENTY-PAYMENT 

LIFE  POLICY  DURING  VARIOUS   YEARS,  COM 

- 

BINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

15th 

16th 

17th 

18th 

19th 

20th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.78 

6.71 

6.63 

6.50 

6.4O 

6.27      J 

21 

6.87 

6.79 

6.70 

6.58 

6.46 

6.32      i 

22 

6.97 

6.88 

6-77 

6.67 

6.53 

6.38      i 

23 

7.04 

6.96 

6.85 

6.72 

6.58 

6.44 

24 

7.14, 

7.05 

6.92 

6.81 

6.66 

6.S4 

3 

7.24 

7.13 

7.02 

6.89 

6.78 

6.69 

7.32 

7.23 

7.IO 

7.02 

6.92 

6.85 

11 

7-43 

7-33 

7.24 

7.19 

7.11 

7  06 

7-55 

7.48 

7-43 

7.38 

7-34 

7.3o 

29 

7.72 

7.68 

7.65 

7.65 

7.61 

7-54 

30 

7.92 

7.90 

7.92 

7.90 

7-87 

7.80 

3i 

8.17 

8.21 

8.21 

8.21 

8.16 

8.07 

32 

8.49 

8.52 

8.54 

8.52 

8.46 

8-37 

33 

8.82 

8.86 

8.87 

8.85 

8.79 

8.69 

34 

9.19 

9.23 

9.25 

9.22 

9.14 

9.02 

i 

9.58 

9.62 

9-63 

9.60 

9-54 

9-36 

IO.OO 

10.05 

10.06 

10.02 

9.92 

9.72 

i 

IO.46 

10.51 

10.50 

10.45 

10.32 

10.10 

IO.96 

10.99 

10.99 

10.91 

10.76 

10.48 

39 

II.49 

11.52 

n. 51 

II. 31 

11.20 

10.88 

40 

12. 0«, 

12.09 

12.06 

11.92 

11.67 

11.32 

4i 

12.68 

12.70 

12.63 

12.46 

12.20 

11.79 

42 

13-33 

13.32 

13.24 

13.04 

12.74 

12.26 

43 

14.02 

14.01 

13.89 

13.68 

13-32 

12.78 

44 

14.78 

14.74 

14.65 

14-39 

13.97 

13-32 

s 

15.59 

15.57 

15.42 

15.14 

14.61 

13-87 

16.50 

16.46 

16.29 

15.92 

15-32 

14.45 

1 

17-47 

17.42 

17.20 

16.78 

16.09 

15-04 

18.54 

18.45 

18.19 

17.68 

16.86 

15-67 

49 

19.69 

19-57 

19.26 

18.65 

17.70 

16.29 

So 

20.95 

20.80 

20.40 

19.69 

18.58 

16.91 

5i 

22.31 

22.11 

21.63 

20.79 

19.46 

17-54 

52 

23-79 

23-51 

22.94 

21.92 

20.42 

18.18 

53 

25-35 

25.24 

24.32 

23.16 

21.41 

18.80 

54 

27.08 

26.64 

25.8*2 

24.47 

22.43 

19.47 

M 

28.89 

28.39 

27.42 

25.86 

23.50 

20.12 

30.86 

30.26 

29-15 

27.34 

24.66 

20. 76 

1 

32.99 

32.28 

30.99 

28.93 

25.88 

21.40 

35-28 

34.26 

33.00 

30.64 

27.16 

22.05 

59 

37.77 

36.82 

33-9° 

32.49 

28.48 

22.71 

6o 

1 

'  40.47 

39-40 

37.48 

34-49 

29.99 

23-33 

Comb.4*> 


lOYr.End 


478 

Principles  and   Practice 

Table  No.  CLXXIV. 

COST  OF  INSURANCE  PER  $1000  OF  A  TEN-YEAR  ENDOW- 

MENT  POLICY  DURING  VARIOUS  YEARS,  COMBINED 

EXPERIENCE, 

FOUR  PER  CENT. 

1st 

2d 

3d 

4  th 

5  th 

6th 

7th 

8th 

9th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.7O 

6.16 

5.58 

4-95 

4.28 

3-55 

2.76 

I.9I 

O.99 

21 

6.78 

6.24 

5.65 

5.02 

4-34 

3.60 

2.8o 

I.94 

I. OI 

22 

6.86 

6.32 

5-73 

5.08 

4.40 

3-66 

2.85 

I.98 

I.03 

23 

6.96 

6.4O 

5.81 

5.i6 

4-47 

3.72 

2.9O 

2.02 

I.05 

!  24 

7.05 

6.49 

5.89 

5.24 

4-54 

3.78 

2.96 

2.05 

I.07 

9 

,  26 

7.14 

6-59 

5.98 

5-33 

4.62 

3.85 

3-OI 

2.O9 

I.09 

7.25 

6.69 

6.08 

5.42 

4.71 

392 

3-07 

2.14 

1. 12 

3 

7.36 

6.80 

6.I9 

5.52 

4-79 

4.OO 

3.13 

2.18 

1. 14 

7-49 

6.92 

6.30 

5.62 

4.89 

4.08 

3.19 

2.22 

1. 17 

29 

7.6l 

7.04 

6.41 

5-73 

4-99 

4.16 

3.26 

2.28 

I.20 

30 

7-75 

7-17 

6.54 

5.85 

5.09 

425 

3-34 

2.33 

1.22 

I  3i 

7.89 

7.31 

6.67 

5-97 

5.20 

4-35 

3-41 

2.38 

1.25 

;  32 

8.05 

7.46 

6.80 

6.09 

5.3i 

4.4O 

3-49 

2-44 

1.27 

33 

8.21 

7.60 

6-95 

6.22 

5.42 

4-54 

3-57 

2-49 

I.30 

34 

8.37 

7-77 

7.IO 

6.36 

5-55 

4.65 

3-65 

2-55 

1-34 

$ 

8.55 

7-93 

7.25 

6.51 

5-68 

4.76 

3-74 

2.63 

1-39 

8.73 

8.10 

7.42 

6.65 

5.81 

4.87 

3.84 

2.71 

i-43 

11 

8.91 

8.29 

7-59 

6.81 

5-95 

5.00 

396 

2.82 

1.50 

9.12 

8.48 

7.76 

6.97 

6. 11 

5-17 

4.13 

2-95 

1.58 

39 

932 

8.67 

7-95 

7.16 

6.31 

5.38 

4.31 

3-IO 

1.67 

40 

9-54 

8.88 

8.16 

7.40 

6.56 

5.62 

4-54 

3-27 

1.77 

41 

9-77 

9.12 

8-43 

7.69 

6.85 

591 

4-79 

3-45 

1.86 

42 

10.03 

9.42 

8-77 

8.03 

7.21 

6.23 

5.05 

3.66 

1.97 

43 

10.36 

9-79 

9-15 

8-45 

7.60 

6.58 

5-34 

3.88 

2. 11 

44 

10.77 

10.22 

9-63 

8.90 

8.02 

6.95 

5.67 

4.12 

2.24 

45 

11.24 

io.75 

IO.14 

9.40 

8.48 

7-37 

6.02 

4.38 

2.40 

46 

11.82 

11.32 

IO.71 

9.94 

8.99 

7.83 

6.41 

4.67 

2.56 

* 

12.24 

11  95 

11.32 

10.52 

9-54 

8-33 

6.83 

4-99 

2-73 

13.13 

12.63 

II.98 

11. 17 

10.15 

8.88 

7.28 

5-33 

2-93 

49 

13.87 

13.37 

12.71 

11.88 

10.81 

9.46 

7.80 

571 

3.14 

So 

14.69 

14.18 

13.52 

12.65 

II.53 

10.12 

8.34 

6.12 

3-38 

Si 

15.57 

15.07 

14.39 

1348 

12.32 

10.83 

8.94 

6.57 

3.63 

52 

16.55 

16.04 

15.33 

14.40 

13.17 

11.58 

9-58 

7.06 

3-91 

53 

17.61 

17  08 

16.36 

15.39 

14.09 

12.42 

10.29 

7.62 

4.24 

54 

18.74 

18.23 

17.49 

16.45 

15.10 

13-34 

11. 10 

8.23 

4.60 

P 

19.99 

19.47 

18.69 

17.62 

16.20 

14,37 

11-99 

8.92 

4-99 

21-34 

20,80 

20.00 

18.90 

17.45 

I5.5I 

12.97 

9.67 

5-43 

8 

22.79 

22.25 

21-44 

20.34 

18.88 

16.76 

14.04 

10.50 

5.89 

24.38 

23.84 

23.06 

21.92 

20.32 

18.14 

1523 

11.42 

6.43 

59 

26.10 

25-63 

24.83 

23.66 

21.97 

19.66 

16.55 

12.42 

6-99 

60 

28.05 

27.58 

26.80 

25.56 

23.80 

21.34 

18.00 

13.55 

7.67 

15Yr.End. 


Comb.4% 


Of  Liff,  Insurance. 

479 

Table  No. 

SLXXV. 

COST  OF 

INSURANCE  PER   $1000  OF 

A  FIFTEEN  YEAR 

ENDOWMENT   POLICY    DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

l«t 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.94 

6.66 

6.35 

6.03 

5.67 

529 

4.88 

4-43 

21 

7-03 

6.74 

6.44 

6.II 

5-75 

5-37 

4-95 

4.50 

22 

7.11 

6.83 

6.52 

6.I9 

5.84 

5-45 

5.03 

4.57 

23 

7.21 

6.92 

6.6l 

6.29 

5.93 

5-54 

5. 11 

4.66 

24 

7.30 

7.02 

6.71 

6.38 

6.03 

5-63 

5.21 

4.75 

3 

7.40 

7.12 

6.82 

6.49 

6.13 

5-74 

5.31 

4.84 

7.51 

7.23 

6-93 

6.60 

6.24 

5.84 

5-42 

4-94 

3 

7.63 

7.35 

7.05 

6.72 

6-35 

5-96 

5-53 

5-03 

7-75 

7.48 

7.17 

6.84 

6.48 

6.08 

5.64 

5-14 

29 

7.88 

7.61 

7.31 

6.98 

6.61 

6.20 

5-75 

5-27 

30 

8.03 

7.75 

7.45 

7.12 

6.74 

6-33 

5.88 

5.38 

3i 

8.17 

7.90 

7.60 

7.25 

6.89 

6.47 

5-99 

5.50 

32 

8-33 

8.06 

7-75 

7.4I 

703 

6.61 

6.14 

5.63 

33 

8.50 

8.22 

7.9I 

7-57 

7.19 

6.76 

6.29 

.5.76 

34 

8.67 

8.39 

8.08 

7-73 

7-35 

6.92 

6.43 

5.9° 

M 

8.85 

8.57 

8.26 

7.91 

7-52 

7.08 

6.59 

6.06 

9.04 

8.75 

8.44 

8.09 

7.69 

725 

6.76 

6.25 

g 

9-23 

8.95 

8.64 

8.27 

7.87 

7-44 

6.98 

6.51 

9-44 

9.16 

8.83 

8.47 

8.08 

7.68 

7.26 

6.80 

39 

9-65 

9-36 

9.04 

8.70 

8.35 

7-99 

7.58 

7.14 

40 

9.87 

9-59 

9.28 

8.98 

8.68 

8.34 

7.98 

7.52 

4i 

10. 1 1 

9.82 

9-59 

9-34 

9.06 

8-77 

8.40 

7-94 

42 

10.38 

10.16 

9.96 

9-75 

9.52 

9.23 

8.87 

8.39 

43 

10.72 

io.57 

IO.4O 

10.25 

10.03 

9-45 

9-37 

8.89 

44 

11.15 

11.03 

IO.94 

10.79 

10.59 

10.30 

9.92 

9.44 

9 

11.63 

11.60 

11.52 

11.39 

n. 19 

10.91 

io.53 

IO.04 

12.23 

12.21 

12.15 

12.03 

11.85 

11.58 

11.20 

IO.70 

47 

12.88 

12.89 

12.84 

12.74 

12.57 

12.30 

H-93 

II.40 

48 

13.59 

13.61 

13-59 

13-51 

13.36 

13.10 

12.71 

I2.I8 

49 

14-35 

14.41 

14.41 

14.36 

14.22 

13.96 

1357 

I3.03 

50 

15.19 

15.28 

15-31 

15.28 

15.14 

14.90 

I4.5I 

13.93 

5i 

16.10 

16.23 

16.30 

16.27 

16.16 

15-93 

15-51 

14.92 

52 

17.11 

17.27 

17.35 

17.36 

17.27 

17.02 

16.61 

16.OO 

53 

18.20 

18.37 

18.51 

18.54 

18.44 

18.22 

17.82 

17.23 

54 

19.36 

19.60 

19.76 

19.80 

19.74 

19.53 

19.18 

18.58 

P 

20.65 

20.93 

2I.IO 

21.18 

21.15 

21.00 

20.65 

20.06 

22.05 

22.34 

22.56 

22.69 

22.73 

22.61 

22.28 

21.67 

g 

23.53 

23.88 

24.16 

24.38 

24.46 

24.38 

24.06 

23.46 

25.15 

25.57 

25.95 

26.23 

26.37 

26.31 

26.02 

25.42 

59 

26.93 

27.46 

27.89 

28.26 

28.45 

28.44 

28.18 

27.55 

60 

28.99 

29-53 

30.07 

30.48 

30.73 

30.78 

30.52 

29.91 

Comb.4* 


15Yr.End. 


480 

Principles 

AND    P 

RACTIC] 

B 

Table  No.  CLXXV.— Concluded. 

COST 

OF  INSURANCE  PER 

$1000    OF   A    FIFTEEN. YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT 

Agb. 

9th 

10th 

llth 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-95 

3-42 

2.85 

2.23 

i-55 

O.81 

0.00 

21 

4.02 

3.48 

2.9O 

2.27 

1.60 

O.82 

O.oo 

22 

4.09 

3-55 

2.96 

2.32 

1.61 

O.84 

0.00 

23 

4.16 

3.62 

3-02 

2.36 

1.65 

O.86 

0.00 

24 

4.24 

3-69 

3-08 

2.42 

1.69 

O.88 

O.oo 

$ 

4-33 

3-77 

3.15 

2-47 

1.73 

O.9O 

O.OO 

4.41 

3.85 

3.21 

2-53 

1.76 

0.93 

O.oo 

i 

4.51 

3-93 

3-29 

2.58 

1. 81 

0.95 

0.00 

4  61 

4.02 

3-35 

2.65 

1.85 

O.99 

0.00 

29 

4.72 

4. 11 

3-45 

2.72 

1.87 

1. 01 

0.00 

30 

4.82 

421 

3-53 

2.77 

1.95 

I.03 

0.00 

31 

4-93 

4.31 

362 

2.86 

2.01 

I.06 

0.00 

32 

5-05 

4.41 

3-71 

2.94 

2.09 

I. II 

O.OO 

33 

5-17 

4-53 

3.84 

3.07 

2.19 

1. 18 

0.00 

34 

5.32 

4.68 

3-99 

3.20 

2.30 

1.24 

0.00 

i 

5-49 

4.87 

4-17 

3-37 

243 

I- 31 

0.00 

5-7i 

509 

4-39 

3-55 

2.56 

1.39 

0.00 

1 

5.97 

5-35 

4.62 

3-75 

2.72 

1-47 

0.00 

6.27 

564 

4.88 

3-96 

2  86 

1.56 

O.oo 

39 

6.60 

5-95 

5.16 

4.21 

305 

I.69 

0.00 

40 

6.97 

6.29 

5-47 

4-47 

3-25 

1.78 

0.00 

41 

7-31 

6.67 

5.81 

4-75 

3  47 

I.90 

O.OO 

42 

7-77 

7.07 

6.18 

5.06 

3.70 

2.02 

O.OO 

43 

8.29 

7-53 

6-59 

541 

3-96 

2.17 

O.OO 

44 

8.81 

8.03 

7.04 

5-79 

4.24 

2.34 

0.00 

% 

9.40 

8.56 

7-5i 

6.20 

4-55 

2.51 

0.00 

10.02 

9.16 

8.05 

6.64 

4.88 

2.70 

O.oo 

4Z 

10.70 

9-79 

8.63 

7.13 

5-25 

2.92 

0.00 

48 

11.47 

10.50 

9.27 

7.62 

5.66 

3.l6 

0.00 

49 

12.25 

11.26 

9.94 

8.28 

6.10 

3-43 

O.OO 

50 

13-14 

12.08 

10.71 

8-93 

6.65 

3-72 

0.00 

51 

14.09 

13-03 

11.56 

9.64 

7.21 

4-05 

0.00 

52 

15.19 

14.04 

12.51 

10.48 

7.84 

4.40 

O.OO 

53 

16.43 

15.18 

13-54 

11.38 

8-53 

4.80 

0.00 

54 

17.76 

16.44 

14.71 

12.39 

9.29 

5-25 

0.00 

55 

19.14 

17.81 

15.98 

13.47 

10.14 

5-75 

0.00 

20Yr.End. 


Comb.4* 


Of  Life  Insurance. 

48 

1 

Table  No.  CLXXVI 

< 

30ST  OF  INSURANCE  PER  $ 

rooo  OF  A  TWENTY-YEAR 

ENDOWMENT  POLICY    DURING  VARIOUS   YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  tii 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7  06 

6.90 

6-73 

6.55 

6-35 

6.13 

5-90 

5.65 

21 

7.14 

6.98 

6.82 

6.64 

6-43 

6.22 

5-99 

5-74 

22 

7.23 

7.08 

6.9I 

6-73 

6-53 

6.32 

6.O9 

5.84 

23 

7-33 

7.17 

7.00 

6.83 

6.63 

6.42 

6.I9 

5-95 

24 

7-43 

7.27 

7.H 

6.93 

6.74 

6.53 

6.3I 

6.05 

a 

7.53 

7.38 

7.22 

7-05 

6.86 

6.65 

6.42 

6.17 

7.64 

7-49 

734 

7.17 

6.98 

6-77 

6.55 

6.29 

% 

7-75 

7.62 

7.46 

7.30 

7.11 

6.9I 

6.68 

6.42 

7.88 

7-74 

7.60 

7-43 

7-25 

7.O4 

6.81 

6.56 

29 

8.02 

7.89 

7-74 

7-57 

7-39 

7.18 

6.96 

6.70 

30 

8.16 

8.03 

7.89 

7-73 

7-54 

7-34 

7.11 

6.84 

3i 

8.31 

8.19 

8.04 

7.88 

7.7o 

7-49 

7.26 

7.00 

32 

8.47 

8-35 

8.20 

8.05 

7.86 

7-65 

742 

7.16 

33 

8.64 

8.51 

8.38 

8.22 

8.03 

7.83 

7.59 

7-32 

34 

8.81 

8.69 

8.55 

8.39 

8.21 

8.00 

7-77 

7.50 

3§ 

9.00 

8.88 

8-73 

8.58 

8.40 

8.18 

7-95 

7.69 

36 

9.19 

9.06 

8-93 

8-77 

8.58 

8.38 

8.18 

7.92 

1? 

9.38 

9.27 

9-13 

8.97 

8  79 

8.60 

8.42 

8.25 

9  59 

9.48 

9-34 

9.18 

9.02 

8.87 

8.75 

8.61 

39 

9.81 

9.69 

9-56 

9.42 

9-31 

9.22 

9.12 

9.04 

40 

10.03 

9.92 

9.81 

9.72 

9.67 

9.62 

9-59 

9-52 

4i 

10.27 

10.18 

10.13 

IO.IO 

10.09 

10. 1 1 

10.08 

10.04 

42 

10.54 

10.51 

10.52 

IO.54 

10.60 

10.64 

10.64 

10.60 

43 

10.89 

10.93 

10.98 

II.08 

11. 16 

11.22 

11.23 

11.22 

44 

11.32 

11.40 

11-54 

11.66 

11.77 

11.85 

11.89 

11.89 

ii 

11. 81 

11.99 

12.15 

12.30 

12.43 

12.54 

12.61 

12.64 

12.42 

12.62 

12.81 

12.99 

1315 

13.29 

13.39 

13.45 

47 

13.07 

13.31 

13-53 

13-74 

13-94 

14. 11 

14.24 

14-31 

48 

13-79 

14.05 

14.32 

14.57 

14.80 

15.01 

15.15 

15.26 

49 

14.56 

14.87 

15.17 

15.47 

15.74 

15-97 

16.16 

16.30 

50 

I5.4I 

15.76 

16.11 

16.45 

16.74 

17.02 

17-25 

17-39 

51 

16.34 

16.74 

17.13 

17.49 

17.85 

18.16 

18.40 

18.59 

52 

17-35 

17.80 

18.22 

18.65 

19.04 

19.38 

19.67 

19.90 

53 

18.45 

18.93 

19.42 

19.90 

20.31 

20.70 

21.04 

21.36 

54 

19.63 

20.18 

20.72 

21.22 

21.70 

22.15 

22.59 

22.96 

p 

20.93 

21-53 

22.10 

22.67 

23.21 

23-77 

24.27 

24.71 

22.33 

22.97 

23.61 

24.25 

24.90 

25-53 

26.12 

26.61 

57 

23-83 

24-54 

25.26 

26.01 

26.75 

27.46 

28.11 

28.70 

58 

25.46 

26.26 

27.10 

27.94 

28.77 

29.56 

30.31 

30.97 

59 

27.25 

28.18 

29.11 

30.05 

30.97 

31.86 

32.69 

33-43 

60 

29.25 

30.27 

31.32 

32.34 

33.37 

34.36 

35.28 

36.13 

Comb.4* 


20Yr.End 


482 

Principles  and   Practice 

Table  No.  CLXXVL— Continued. 

COST    OF    INSURANCE    PER 

$1000    OF   A   TWENTY-YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-37 

5.08 

4-75 

4.40 

4.OI 

3-59 

3.12 

21  ' 

5.46 

5.17 

4.84 

4.49 

4.09 

3.66 

3-19 

22 

5.56 

5.26 

4.94 

4.58 

4.18 

3-74 

3.26 

23 

5.67 

5-37 

5-03 

4.67 

4.27 

3.82 

3-34 

24 

5.78 

5.48 

5.14 

4-77 

4.36 

3-91 

3-4i 

3 

5.90 

5-59 

5.25 

4.87 

4-45 

4.00 

3-49 

6.02 

5-71 

5.36 

4.98 

4-55 

4.09 

3-56 

2 

6.14 

5.83 

5.48 

5.09 

4.66 

4.18 

3.66 

6.28 

5.96 

5.60 

5.22 

4-77 

4.28 

3-76 

29 

6.4I 

6.09 

5-73 

5-33 

4.89 

4.40 

3.88 

30 

6.56 

6.23 

5.87 

5.46 

5.02 

4.55 

4.04 

31 

6.70 

6.36 

6.0I 

5.61 

5.15 

4.74 

4.22 

32 

6.86 

6-53 

6.17 

5-79 

5-40 

4-94 

4-44 

33 

7.02 

6.70 

6.37 

6.02 

5-03 

5.20 

4.67 

34 

7.21 

6.92 

6.62 

6.29 

5.92 

5.47 

4-93 

M 

7-44 

7.19 

6.9I 

6.6l 

6.24 

5.78 

521 

7.71 

7.48 

7.23 

6.95 

6.55 

6.06 

5-52 

3 

8.06 

7.89 

7.65 

7-35 

6-95 

6.47 

5.85 

8.48 

8.29 

8.07 

7.75 

7.37 

6.86 

6.23 

39 

8.92 

8.76 

8.52 

8.20 

7.80 

7.29 

6.65 

40 

9.41 

9.25 

9.O2 

8.70 

8.30 

7.77 

7.08 

4i 

9-94 

9-79 

9-56 

9.25 

8.84 

8.26 

7-56 

42 

10.50 

10.38 

10.17 

9-85 

9.41 

8.85 

8.10 

43 

11. 15 

11.03 

IO.82 

IO.49 

10.05 

9-45 

8.66 

44 

11.85 

11.74 

11.52 

II. 21 

10.76 

10.12 

9.28 

* 

12.61 

12.50 

I2.30 

II.98 

11.49 

10.84 

9-97 

13.43 

13-33 

13.14 

I2.80 

12.31 

11.63 

10.74 

% 

14-32 

14.24 

I4.O3 

I3.7O 

13.21 

12.53 

11.59 

15.29 

15.21 

I5.02 

I4.69 

14.21 

13-51 

12.53 

49 

16.32 

16.29 

16.08 

I5.8I 

15-31 

14.59 

13.56 

50 

17.46 

17-43 

17.31 

I7.02 

16.53 

15.77 

14.68 

5i 

18.69 

18.72 

18.62 

18.36 

17.85 

17.08 

I5.92 

52 

20.07 

20.15 

20.08 

I9.81 

19.32 

18.50 

17.30 

S3 

21-57 

21.71 

21.65 

21.41 

20.92 

20.07 

18.79 

54 

23.24 

23.40 

23.38 

23.17 

22.66 

21.79 

20.43 

55 

25.05 

25.26 

25.29 

25.08 

24.58 

23.66 

22.21 

20Yr.End. 


Comb.4* 


Of    Life  Insurance. 


483 


Table  No.  CLXXVL— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  A  TWENTY- YEAR 

ENDOWMENT    POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE  FOUR  PER  CENT. 

Age. 

16th 

17th 

18th 

19th 

20th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

2.6l 

2.05 

1-43 

0.75 

O.OO 

21 

2.67 

2.09 

I.47 

O.77 

O.OO 

22 

2-73 

2.14 

I.50 

O.79 

O.OO 

23 

2.79 

2.I9 

1-54 

0.8l 

O.OO 

24 

2.85 

2.24 

1-57 

O.83 

O.OO 

3 

2.92 

2.30 

1.61 

O.85 

O.OO 

3-00 

2.36 

1.66 

O.89 

O.OO 

% 

3-09 

2.44 

1-73 

0.93 

O.OO 

3.18 

2-55 

1. 81 

O.98 

O.OO 

29 

3-31 

2.65 

1.91 

I.03 

O.OO 

30 

3.46 

2.79 

2.01 

I.09 

O.OO 

31 

3.64 

2.94 

2.12 

1. 16 

O.OO 

32 

3.82 

3.13 

2.25 

I.23 

O.OO 

33 

4.04 

3-29 

2.38 

I.29 

O.OO 

34 

4.27 

3-49 

2.52 

1-37 

O.OO 

li 

4.53 

3- 70 

2.69 

1.47 

O.OO 

4.82 

3-95 

2.83 

I.56 

O.OO 

U 

5.13 

4.19 

3-o8 

1.68 

O.OO 

5-45 

4.48 

3.28 

1.80 

O.OO 

39 

5.80 

4.78 

3-5i 

1.91 

O.OO 

40 

6.21 

5.12 

3-76 

2.08 

O.OO 

4i 

6.64 

5-47 

4.03 

2.23 

O.OO 

42 

7.12 

5.89 

4-35 

2-43 

O.OO 

43 

7.63 

6.32 

4.67 

2.64 

O.OO 

44 

8.21 

6.82 

5.07 

2.83 

O.OO 

9 

8.84 

7-37 

5-49 

3-07 

O.OO 

9-55 

7-99 

5-95 

3-33 

O.OO 

S 

10.33 

8.65 

6.47 

3-65 

O.OO 

11. 18 

9-38 

7.04 

3-97 

O.OO 

49 

12.12 

10.21 

7.66 

4-23 

O.OO 

So 

13-17 

11. 11 

8.36 

4-74 

O.OO 

5i 

14.30 

12.10 

9.12 

5-17 

O.OO 

52 

15.57 

13-19 

9.96 

5-67 

O.OO 

53 

16.96 

14.36 

10.88 

6.21 

O.OO 

54 

18.44 

15-72 

11.92 

6.81 

O.OO 

55 

20.10 

17.12 

13.03 

7.48 

O.OO 

Comb.4* 


25Yr.End 


484 


Principles  and  Practice 


Table  No.  CLXXVII. 

COST  OF  INSURANCE  PER  $1000  OF  A  TWENTY-FIVE  YEAR 

ENDOWMENT    POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 

24 

li 
II 

29 

30 
31 
32 
33 
34 

$ 

U 

39 

40 

4i 
42 
43 
44 

9 

49 

50 
5i 
52 
53 
54 

U 

U 

59 
60 


1st 
Year. 


7.13 
7.21 
7.30 
7.40 
7.50 

7.60 
7.71 

7.83 
7.96 
8.08 

8.24 
8-39 
8-55 
8.72 
8.89 

9.08 
9.27 

9  47 
9.68 
9.90 

10.12 
10.36 
10.63 
10.98 
11.41 

11. 91 
12.51 

13-17 
13.89 
14.67 

15.52 
16.45 
17.46 

18.57 
19.74 

21.05 
22.45 
23.95 
25-59 
27.37 

29-37 


2d 

Year. 


7.04 
7.13 
7.22 

7-32 
7.42 

7.53 
7.64 

7.77 
7.90 
8.04 

8.19 
8.35 
8.51 
8.68 
8.86 

905 

9.24 
9.44 
9-65 
9.87 

10.10 
10.37 
10.70 
11. 12 
11.60 

12.19 

12.83 

13-53 
14.28 
15.10 

16.00 
16.98 
18.05 
19.19 
20.44 

21.80 
23.24 

24.81 
26.53 
28.45 

30.54 


3d 

Year. 


6.94 
7.04 
7.13 

7.23 
7-34 

7.45 

7-57 
7.70 
7.84 
7.98 

8.I4 
8.30 
8.46 
8.63 
8.82 

9.OO 
9.20 
9.40 
9.61 
9.84 

IO.O9 
IO.42 
IO.82 
II.29 
11.86 

12.48 

13-15 
13.88 
14.68 
15.55 

16.50 

17-51 
18.63 
19.84 
21.15 

22.54 
24.06 
25.70 

27.55 
29.56 

31.77 


4th 

Year. 


6.85 
6.94 
7.03 
7.14 
7.25 

7.37 

7-49 
7.62 
7.76 
7.91 

8.07 
8.23 
8.40 
8.58 
8.76 

8-95 
9-15 
9-35 
9-57 
9.82 

10.13 
10.52 
10.97 
11.52 
12.12 

12.77 
13.48 
14-25 
1510 
16.01 

17.01 
18.08 

19-25 
20.51 
21.85 

2331 
24.90 
26.68 
28.61 
30.73 

33-02 


5  th 

Year. 


6.74 
6.83 

6.93 
7.04 

7.15 

7.27 
7.40 

7-54 
7.68 
7.84 

7-99 
8.16 

8-33 
8.50 
8.69 


9.08 
9.29 
9-53 
9-83 

10.21 
10.64 
11. 18 
11.76 
12.39 

13.07 
13.82 
14.63 
15.52 
16.49 

17.52 
18.65 
19.87 
21.16 
22.57 

24.11 

25.82 
27.68 
29.72 
31.92 

34-33 


6th 

Year. 


6.62 
6.71 
6.8l 

6-93 
7.O4 

7.17 
7.30 

7-44 
7-59 
7-74 

7.90 
8.07 
8.24 
8.42 
8.61 

8.80 
9.00 
9-23 
9-52 
9.89 

10.31 
10.83 
11.38 
12.00 
12.66 

13.38 
14.17 
15.02 
15.96 
16.95 

18.05 
19.23 

20.47 
21.84 

23.31 

24.97 
26.75 
28.72 
30.84 
33-15 

35-66 


7th 

Year. 


6-49 
6-59 
6.69 
6.81 
6.93 

7.06 
7.19 

7-34 
7.48 
7.64 

7.80 
7.96 
8.I4 
8.32 
8.50 

8.70 
8.92 
9.20 
9-56 
9.96 

IO.46 
IO.99 
II.48 
12.22 
12.93 

13.68 
14-51 
1542 
16.37 
17.43 

18.57 
19.77 
2I.O9 
22.51 
24.II 

25.83 
27.72 
29.76 

31.99 
34.40 

37.0I 


8th 

Year. 


6-34 
6.45 

6-55 
6.68 
6.80 

6-93 
7.07 
7.21 
7.36 
7-52 

7.67 
7.85 
8.02 
8.20 
8.38 

8.60 
8.87 
9.21 
9.60 
10.08 

10.60 
11. 17 

11.78 
12.45 
13-18 

13.99 
14.86 

15.78 
16.80 
17.90 

19.06 
20.33 
21.70 
2324 
24.90 

26.73 
28.69 
30.83 

33.15 
35-66 

38.38 


25Yr.End. 


Comb.4* 


Of    I4FK  Insurance:. 

485 

Table  No. 

CLXXVIL— Continued. 

COST  OF  INSURANCE  PER  $1000  OF  A  TWENTY-FIVE  YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

9th 

10th 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.I9 

6.02 

5.84 

5.64 

5.42 

5.18 

4.9I 

4.61 

21 

6.30 

6.13 

5-95 

5.76 

5-53 

5.28 

5.0I 

4.71 

22 

6.42 

6.25 

6.05 

5.87 

5-64 

5-39 

5-12 

4.82 

23 

6-53 

6.37 

6.19 

5-99 

5.76 

5-5o 

5.24 

4-93 

24 

6.66 

6.50 

6.31 

6.11 

5.89 

5.63 

5-33 

5-04 

2§ 

6.79 

6.63 

6.45 

6.24 

6.01 

5.76 

5.48 

5.16 

26 

6.94 

6.77 

6-59 

6.38 

6.14 

5-90 

5-59 

5.29 

11 

7.07 

6.9I 

6.75 

6.52 

6.29 

6.02 

5-74 

5.41 

7.22 

7-05 

6.88 

6.66 

6.43 

6.16 

5.89 

5-59 

29 

7-37 

7.20 

7-03 

6.82 

6.58 

6-35 

6.07 

5.83 

30 

7-54 

7-37 

7.19 

6.98 

6.76 

6.54 

6.32 

6.07 

31 

7.71 

7-54 

7.36 

7.16 

6.98 

6.77 

6.59 

6.38 

32 

7.87 

7.72 

7-55 

7-39 

7.25 

7.08 

6.93 

6.71 

33 

8.08 

7-94 

7-78 

7.69 

7-55 

7-45 

7.28 

7.08 

34 

8.27 

8.17 

8.08 

8.01 

7-94 

7.83 

7.69 

7-47 

35 

8-53 

8.48 

8.43 

8.41 

8.35 

8.26 

8.11 

7.9I 

36 

8.84 

8.83 

8.87 

8.84 

8-79 

8.72 

8.56 

8.38 

U 

9-23 

9.28 

9-32 

9-32 

9.28 

9.22 

9.08 

8.9O 

9.69 

9.76 

9.81 

9.82 

9.81 

9.76 

9.64 

9-47 

39 

10.18 

10.28 

10.38 

10.39 

10.39 

10.36 

10.26 

10.03 

40 

10.73 

10.85 

10.94 

11.00 

11.03 

11. 01 

10.91 

10.73 

4i 

11-33 

11.47 

11.58 

11.68 

11  74 

11.69 

11.62 

11.46 

42 

11.96 

12.12 

12.28 

12.39 

12-45 

12.46 

12.37 

12.22 

43 

12.67 

12.89 

13-05 

13.21 

13.27 

13.30 

13-23 

12.97 

44 

13.42 

13.66 

13.87 

14.03 

14.14 

14.17 

14.14 

13-99 

45 

14.28 

14-53 

1477 

14.97 

15.09 

15.15 

I5.I3- 

15.02 

46 

15  16 

15.42 

15-75 

15.95 

16.12 

16.21 

16.24 

16.14 

47 

16.15 

16.50 

16.78 

1704 

17.24 

17-39 

17.45 

17.40 

48 

17.21 

17-57 

17.90 

18.20 

18.48 

18.67 

18.77 

18.73 

49 

18.32 

18.74 

i9-!3 

19-52 

19.82 

20.08 

20.21 

20.21 

50 

19-55 

20.01 

20.49 

20.93 

21.30 

21.60 

21.78 

21.80 

Comb.4* 


25Yr.End 


486 

Principles  and  Practice 

Table  No 

CLXXVIL— Concluded. 

COST  OF  INSURANCE  PER  $1000 

OF  A  TWENTY-FIVE  YEAR 

ENDOWMENT   POLICY    DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

4.28 

3-91 

3.51 

3.06 

2-57 

2.02 

I.42 

75 

21 

4.38 

4.02 

3.60 

3.13 

2.62 

2.o8 

I.46 

•  77 

22 

4-47 

4.IO 

3.68 

3-21 

2.69 

2.15 

1.52 

.80 

23 

4-57 

4.21 

3-77 

3.30 

2.8o 

2.23 

1-59 

.86 

24 

4.69 

4.29 

3.87 

3.41 

2.91 

2.32 

I.67 

.88 

2§ 

4.80 

4.41 

4.OO 

3-55 

3-04 

2-45 

1.77 

.96 

26 

493 

4.56 

4.16 

3-71 

3-22 

2-59 

1.88 

1. 01 

1? 

5-09 

474 

4-34 

3.89 

3-37 

2.74 

1.98 

1.07 

5-30 

4-94 

4.58 

4.IO 

3.56 

2.89 

2.10 

1. 14 

29 

5-53 

5-21 

4.81 

4-35 

3-76 

3.o6 

2.22 

1.20 

30 

5.81 

5.48 

5.08 

4.58 

3.98 

3-25 

2.37 

1.30 

31 

6.11 

5-79 

5-36 

4.84 

4.22 

3.46 

2-53 

1.37 

32 

6-45 

6.11 

5.67 

5.13 

4-50 

3-69 

2.70 

1.46 

33 

6.80 

6.44 

6.02 

5-47 

4.82 

3.90 

2.91 

1-57 

34 

7.21 

6.84 

6.40 

5.83 

5- II 

4.20 

3.10 

1.69 

!i 

7.64 

7.28 

6.81 

6.21 

5-45 

4-49 

3.30 

1.82 

8.10 

7-75 

7.25 

6.63 

5.83 

4-79 

3-54 

1.96 

8 

8.63 

8.24 

7-73 

7.08 

6.21 

5-12 

3.8i 

2.09 

9.19 

8.78 

8.27 

7-55 

6.67 

5.53 

4.09 

2.28 

39 

9  80 

9-39 

8.81 

8.11 

7.17 

5.91 

4-44 

2.46 

40 

10.45 

10.03 

9.46 

8.70 

7.71 

6.43 

4-79 

2.68 

4i 

11. 17 

10.73 

10.15 

9-36 

8.31 

6.94 

5.18 

2.92 

42 

11. 91 

11.49 

10.89 

10.07 

8.98 

7.50 

5.61 

3.18 

43 

12.79 

12.35 

11.75 

10.87 

9.71 

8.16 

6.13 

3.46 

44 

13.74 

13.34 

12.66 

11.76 

10.53 

8.87 

6.67 

3.78 

9 

14.77 

14.35 

13.69 

12.74 

11-43 

9.64 

7.26 

4.11 

I5.92 

15.50 

14.81 

13-81 

12.42 

10.49 

7.91 

4-49 

47 

17.16 

16.73 

16.03 

14.98 

13.48 

11.42 

8.63 

4.91 

48 

18.52 

18.10 

17.36 

16.26 

14.68 

12.43 

9.4i 

5.40 

49 

20.02 

19.58 

18.82 

17.65 

15.91 

13.60 

10.31 

5.91 

So 

21.62 

21.21 

20.40 

I9-I5 

17.32 

14.76 

11.23 

6.47 

30Yr.End. 


Comb.4* 


Of  L/iFK  Insurance. 

487 

Table  No.  CLXXVIII. 

COST  OF  INSURANCE 

PER  $ 

1000  OF 

A  THIRTY- YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4  th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.17 

7.13 

7.08 

7-03 

6.98 

6.92 

6.86 

6.78 

21 

7.26 

7.21 

7.17 

7-13 

7.07 

7.02 

6.95 

6.89 

22 

7-34 

7.31 

7-27 

7.22 

7.18 

7.13 

7.07 

7.OI 

23 

7-44 

7.41 

7.37 

7-33 

7.29 

7.24 

7.19 

7.13 

24 

7-54 

7.51 

7-47 

7-44 

7.41 

7-36 

7.31 

7.26 

2I 

7.64 

7.62 

7-59 

7.56 

7-53 

7-49 

7.45 

7.40 

26 

7.76 

7.73 

7.72 

7.69 

7.66 

7.63 

4-59 

7-54 

27 

7.87 

7.86 

7.84 

7.83 

7.80 

7.78 

7-73 

7.69 

36 

8.00 

7-99 

7.98 

7-97 

7.95 

7-93 

7.89 

7.85 

29 

8.14 

8.14 

8.13 

8.12 

8.11 

8.08 

8.05 

8.01 

30 

8.28 

8.28 

8.29 

8.28 

8.26 

8.25 

8.22 

8.18 

3i 

8-43 

8-44 

8-45 

8.44 

8-43 

8.42 

8.38 

8-35 

32 

8.60 

8.6l 

8.6l 

8.61 

8.61 

8-59 

8-57 

8-54 

33 

8-77 

8.78 

8.79 

8.79 

8.78 

8.78 

8-75 

8.71 

34 

8.94 

8.96 

8.97 

8.97 

8.97 

8.97 

8-94 

8.91 

9 

9.12 

9-15 

9.16 

9-17 

9.17 

9.16 

9.15 

9-14 

9-32 

9-34 

9-36 

9-37 

9-37 

9-37 

9-37 

9.42 

1? 

9-5i 

9-54 

9-56 

9-57 

9.58 

9.60 

9.66 

9-77 

9-73 

9-75 

9-77 

9-79 

9.82 

9.90 

10.02 

10.18 

39 

9.94 

9-97 

10.00 

10.04 

10.13 

10.27 

10.44 

10.67 

40 

10.17 

10.20 

10.25 

io.35 

10.51 

10.70 

10.95 

11. 21 

4i 

10.41 

10.47 

10.58 

io.75 

10.95 

11.23 

11.48 

11,80 

42 

10.68 

10.80 

10.98 

11.20 

11.49 

11.79 

12. 11 

12-43 

43 

11.02 

11.22 

11  45 

11.76 

12.08 

12.42 

12.76 

13.12 

44 

11.46 

11.70 

12.03 

12.36 

12.72 

13.08 

13-47 

13.87 

4§ 

11.96 

12.30 

12.65 

1301 

I3.4I 

13.82 

14.24 

14.69 

46 

12.57 

12.93 

13.33 

13-73 

14.16 

14.61 

15.09 

15.58 

47 

13.22 

13-63 

14.06 

I4-5I 

14.98 

15.48 

16.00 

16.52 

48 

13-94 

14-39 

14.86 

15-35 

15-88 

16.42 

16.97 

17-55 

49 

14.72 

15.21 

15.73 

16.27 

16.85 

17.42 

18.04 

18.66 

50 

15.57 

16.11 

16.68 

17.27 

17.87 

18.52 

•  19.18 

19.83 

5i 

16.50 

17.09 

17.71 

18.34 

19.01 

19.70 

20.39 

21.11 

52 

17.51 

18.16 

18.81 

I9-5I 

20.23 

20.95 

21.70 

22.49 

53 

18.62 

19.29 

20.02 

20.77 

21.52 

22.31 

23-13 

24.02 

54 

19.79 

20.54 

21.32 

22.10 

22.92 

23.78 

24.72 

25.68 

55 

21  09 

21.90 

22.70 

23.56 

24.45 

25.42 

26.43 

27.50 

Comb.4* 


30Yr.End. 


488 


Principles  and   Practice 


Table  No.  CLXXVIIL— Continued. 

COST    OF    INSURANCE    PER    $1000    OF    A    THIRTY-YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


20 
21 
22 

23 
24 

li 
II 

29 

30 
31 
32 
33 
34 

| 

U 

39 
40 


9th 

Year. 


6.7I 
6.84 
6.94 
7.07 
7.20 

7-34 
7.48 
7.64 
7.80 
7.96 

8.13 
8.31 
8.48 
8.67 
8.88 

9.17 

9-5i 

9.89 

10.40 

10.92 

11.48 


10th 

Year. 


6.62 

6-75 
6.86 
6.98 
7.13 

7.27 
7-43 
7.58 
7-73 
7.90 

8.07 

8.24 
8.44 
8.64 
8.91 

9.24 

9-63 
10.10 
10.60 
11. 17 

u-75 


llth 

Year. 


6.53 
6.65 
6.78 
6.9I 
7.04 

7.I9 

7-34 
7.50 
7.66 
7.81 

7-99 
8.17 
8.37 
8.56 
8.96 

9-33 

9-79 

10.28 

10.82 

".39 

12.02 


12th 

Year. 


6-43 
6.53 

6.68 

6.82 
6.95 

7.09 
7.24 
7.41 
7.56 

7-74 

7.90 
8.09 

8.35 
8.66 

9-03 

9-47 

9-95 

10.47 

11.03 

11.63 

12.29 


13th 

Year. 


'  6.31 

6-43 
6.56 
6.71 
6.85 

6.98 

7.13 
7.29 

7-45 
7.63 

7.81 
8.06 
8-35 
8.71 
9.14 

9.60 
10.05 
10.64 
11.26 
11.88 

12.57 


llth 

Year. 


6.18 
6.3I 
6-44 
6-57 
6.71 

6.86 
7.01 
7.16 
7-33 

7.52 

7-75 
8.04 
8.32 

8.79 
9.22 

9.72 
10.23 
10.81 
11.44 
12.10 

12.83 


15th 

Year. 


6.03 
6.17 
6.29 

6-43 
6.56 

6.7I 
6.85 
7.01 
7.20 
7-43 

7.70 
8.03 

8.43 
8.84 
9.28 

9.82 
10.40 
10.97 
11.64 
12.31 

13.06 


16th 

Year. 


5.87 
6.00 
6.12 
6.26 
6.40 

6.54 

6.68 
6.86 
7.08 
7-35 

7.66 
8.04 

8.44 
8.89 
9-38 

9.90 
10.48 
11. 10 

11.77 
12.50 

13.28 


30Yr.End. 


Comb.4% 


Op  IyiFE  Insurance. 


489 


Table  No.  CLXXVIIL— Continued. 

COST    OF    INSURANCE    PER    $1000    OF    A    THIRTY-YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


Age. 


17th 

Year. 


20 
21 
22 

23 

24 

25 
26 

u 

29 

30 
31 
32 

33 
34 

35 
36 

37 
38 
39 

40 


5.69 
5.80 

5-94 
6.05 
6.23 

6.35 
6.51 
6.70 
6.98 
7.29 

7.64 
8.01 

8-45 
8.91 
9.41 

9.96 

10.57 
11.20 
11.89 
12.63 

13-45 


18th 

Year. 


5.48 
5.60 

5.71 

5.86 

5.98 

6.15 
6.33 
6.59 
6.87 
7.21 

7.58 
7.98 
8-43 
8.89 
9.41 

9.98 
IO.61 
II.24 
II.97 
12.75 

13.56 


19th 

Year. 


5.25 
5-35 
5-49 
5.6o 

5.77 

5-95 
6.17 
6.44 
6-75 
7.11 

7.50 
7.89 
8.35 
8.84 
9-38 

9.96 

10.57 
11.26 
12.00 
12.77 

13-62 


aoth 

Year. 


4.99 
5-IO 
5.22 
5.36 
5-53 

5.75 
5.98 
6.29 
6.62 
7.00 

7-37 
7-79 
8.26 

8.74 
9-39 

9.87 
10.52 
11.20 
11.94 
12.75 

13.59 


21st 

Year. 


4.69 
4.80 
4-93 
5-II 
5.30 

5.52 
5.8o 
6.11 
6.42 
6.81 

7.18 

7-59 
8.07 
8.58 
9-13 

9.71 

io.35 
11.04 
11.79 
12.59 

13.50 


22d 

Year. 


4-37 
4.48 
4.64 
4.82 
5.02 

5-28 
5-56 
5-87 
6.19 

6.54 

6.94 
7.36 
7.83 
8.32 
8.86 

9.46 
10.10 
10.76 
n. 51 

12-35 

13.27 


23d 

Year. 


4.02 
4.14 
4-32 
4.51 
4-74 


24th 

Year. 


4.98 

4.62 

5.26 

4.87 

5.55 

5.16 

5.86 

5.49 

6.24 

5.81 

6.61 
7.03 
7.49 
7.98 
8.51 

9.08 
9.71 

10  41 

II. 15 
11.97 

12.89 


3-64 
3.77 
3.95 
4.15 
4.36 


6.19 

6.58 

7.02 

7.50 
8.00 

8.56 

9.17 

9.84 

10.59 

"•39 
12.30 


Comb.4* 


30Yr.End. 


490 

Principles  and 

Practice 

Table  No.  CLXXVIIL— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  A  THIRTY-YEAR 

ENDOWMENT  POLICY  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Agb. 

25th 

26th 

27th 

28th 

29th 

30th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3-23 

2.76 

2.23 

1. 6l 

O.87 

O.OO 

21 

3-37 

2-93 

2-35 

I.70 

0.91 

O.OO 

22 

3.55 

3.06 

2.49 

I.80 

O.97 

O.OO 

23 

3.74 

3.25 

2.64 

I.9I 

I.03 

O.OO 

24 

3-95 

3.41 

2-79 

2.02 

I. II 

O.OO 

u 

4.17 

3.62 

2.96 

2.15 

1. 18 

O.OO 

4.41 

3-82 

3.14 

2.29 

1.26 

O.OO 

% 

4.66 

4.07 

3  35 

2.46 

1-33 

O.OO 

4.97 

4-37 

3-59 

2.62 

1-43 

O.OO 

29 

5.31 

4.64 

3.81 

2.8l 

1-54 

O.OO 

30 

5.64 

4-95 

4.08 

2.99 

1.65 

O.OO 

31 

6.02 

5.26 

4.38 

3-22 

1.78 

O.OO 

32 

6.44 

5.67 

4.67 

3-45 

1.90 

O.OO 

33 

6.87 

6.04 

5.00 

3-73 

2.05 

O.OO 

34 

7-33 

6.49 

5.41 

4.02 

2.25 

O.OO 

2 

7.87 

6.98 

5.82 

4.33 

2.42 

O.OO     . 

8-45 

7.53 

6.29 

4.72 

2.61 

O.OO 

11 

9.12 

8.11 

6.79 

5.10 

2.82 

O.OO 

9.83 

8.78 

7-34 

5.56 

3-05 

O.OO 

39 

10.60 

9.49 

7.96 

6.05 

3-30 

O.OO 

40 

«.45 

10.27 

8.66 

6.52 

3.69 

O.OO 

End.Age35 


Comb.4% 


Op  Life  Insurance. 


491 


Table  No.  CLXXIX. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE   AT  THE  AGE  OF   THIRTY-FIVE  OR   AT 

DEATH   IF   PRIOR,    DURING    VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


1st 

2d 

3d 

4  th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.94 

6.66 

6-35 

6.O3 

5.67 

5.29 

4.88 

4-43 

21 

6.99 

6.67 

6.33 

5-95 

5-55 

5-12 

4.65 

4.14 

22 

7.04 

6.67 

6.28 

5-86 

5-40 

4.9O 

4-37 

3-79 

23 

7.08 

6.66 

6.21 

5-73 

5.20 

4.63 

4.02 

3-35 

24 

7.12 

6.64 

6.12 

5-56 

4-95 

4.29 

3.58 

2.79 

25 

7.14 

6.59 

5.98 

5-33 

4.62 

3.85 

3.0I 

2.09 

26 

7.17 

6.51 

5.80 

5-02 

4.19 

3-27 

2.28 

1. 19 

3 

7.16 

6.38 

5.53 

4.61 

3.60 

2.51 

I.3I 

d.oo 

7.13 

6.18 

5.15 

4-03 

2.80 

1.46 

O.OO 

29 

7.05 

5.88 

4.59 

3.20 

1.67 

0.00 

30 

6.90 

5-39 

3-75 

1.96 

0.00 

31 

6.58 

4.58 

2.39 

0.00 

32 

5-97 

3.12 

0.00 

33 

4-57 

0.00 

34 

O.OO 

■ 

Age. 


20 
21 
22 

23 

24 

3 


9th 

Year. 


3-94 
3-59 
3.16 
2.62 

1.94 

1.09 
0.00 


[lOth 

Year. 


3-42 
2.99 
2.47 
1.82 
I.02 

O.OO 


11th 

Year. 


2.85 

2.34 
1.72 

0.95 
O.OO 


lath 

Year. 


2.23 
I.63 
O.9O 
O.OO 


13th 

Year. 


1-55 
O.85 
O.OO 


14th 

Year. 


O.81 
O.OO 


15th 

Year. 


Comb.4% 


End.Age40 


492 

Principles  and  Practice 

Table  No.  CLXXX. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE  AT  THE  AGE  OF  FORTY  OR  AT  DEATH 

IF  PRIOR,  DURING  VARIOUS  YEARS, 

COM- 

BINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

Hth 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.06 

6.9O 

6.73 

6.55 

6.35 

6.I3 

5-90 

5.65 

21 

7  13 

6.95 

6.76 

6-55 

6.33 

6.O9 

5.83 

5-55 

22 

719 

7.00 

6.78 

6.55 

6.30 

6.O3 

5-74 

5-42 

23 

7.26 

7.04 

6.80 

6-54 

6.26 

5-96 

5.63 

5.27 

24 

7  33 

7.08 

6.8l 

6  52 

6.21 

5-86 

5  49 

5.08 

u 

7.40 

7.12 

6.82 

6.49 

6.13 

5-74 

5-3i 

4.84 

7.48 

7.l6 

6.8l 

6-43 

6.02 

5-57 

5.08 

4-55 

% 

7-55 

7.18 

6.78 

6  35 

5.88 

5.36 

4.80 

4.17 

7.62 

7.20 

6.74 

6.24 

5.69 

5.09 

4.42 

3.7o 

29 

7.69 

7.20 

6.66 

6.08 

5  43 

4.72 

3-95 

3.10 

30 

7-75 

7.17 

6.54 

5.85 

5.09 

4-25 

3.33 

2.33 

31 

7-79 

7.H 

6.36 

5-53 

4.62 

3-63 

2-53 

1.32 

32 

783 

7.0O 

6.08 

5-09 

3-99 

2.78 

1.46 

0.00 

33 

7.82 

6.80 

5-6g 

4.46 

3." 

1.63 

0.00 

34 

7-75 

6.48 

5.09 

3-55 

1.86 

0.00 

n 

7.60 

5-96 

4.16 

2.18 

0.00 

7.28 

5.08 

2.66 

0.00 

11 

661 

3-46 

0.00 

5-07    - 

O.OO 

39 

0.00 

Age. 

9th 

lOth 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 
3-59 

Year. 

Year. 

20 

5-37 

5.08 

4.75 

4.4O 

4.OI 

3  12 

2.6l 

21 

5.24 

4.9I 

4-54 

4.14 

3-70 

3.22 

2.69 

2. II 

22 

5.08 

4.70 

4.29 

3.83 

3-33 

2.79 

2.19 

1.52 

23 

4.88 

4-45 

3.98 

3.46 

2.89 

2.27 

1.58 

O.83 

24 

4.64 

4.14 

3.6o 

3.OI 

2  36 

I.65 

O.86 

O.OO 

25 

4-33 

3-77 

3.15 

2.47 

1.72 

O.9O 

O.OO 

26 

3-95 

3.31 

2-59 

1. 8l 

0.95 

O.OO 

3 

3-49 

2-73 

I.9I 

I. OO 

O.OO 

2.90 

2.02 

I.06 

O.OO 

29 

2.16 

1. 13 

O.OO 

30 

1.22 

O.OO 

31 

0.00 

17  th 

18th 

19th 

20th 

Age. 
20 

Year. 

Year. 

Year. 

Year. 

2.05 

1.43 

0.75 

O.OO 

21 

1.47 

O.77 

O.OO 

22 

O.80 

O.OO 

23 

O.OO 

End.Age45 


Comb.4% 


Of  Life  Insurance. 

493 

Table  No. 

CLXXXI. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE   AT   THE 

AGE  OF  FORTY-FIVE  OR  AT 

DEATH   IF 

PRIOR 

,  DURING  VARIOUS 

YEARS 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.13 

7.04 

6.94 

6.85 

6.74 

6.62 

6.49 

6.34 

21 

7.20 

7.IO 

7.00 

6.89 

6.77 

6.63 

6.49 

6-33 

22 

7.27 

7.17 

7.06 

6-93 

6.79 

6.64 

6.49 

6.3I 

23 

7-36 

7.24 

7.II 

6.97 

6.82 

6.66 

6.48 

6.28 

24 

7-44 

7.31 

7.17 

7-OI 

6.84 

6.66 

6.46 

6.23 

2| 

7-53 

7.38 

7.22 

7.05 

6.86 

6.65 

6.42 

6.17 

26 

7.62 

7-45 

7.28 

7.08 

6.87 

6.63 

6.37 

6.O9 

% 

7.71 

7-53 

7.32 

7.II 

6.86 

6.60 

6.30 

5-97 

7.82 

7.60 

7.38 

7.12 

6.85 

6.54 

6.20 

5.82 

29 

7.92 

7.68 

7.42 

7.13 

6.81 

6-45 

6.06 

5.63 

30 

8.03 

7-75 

7-45 

7  12 

6.74 

6.33 

5.88 

5.38 

31 

8.13 

7.82 

7-47 

7.08 

6.65 

6.17 

5.64 

5.06 

32 

8.25 

7.88 

7.46 

7.01 

6.51 

5-95 

5-34 

4.66 

33 

8.35 

7.92 

7-44 

6.90 

6.31 

5.66 

4.94 

4.14 

34 

8-45 

7.94 

7-37 

6.74 

6.05 

5.27 

4.42 

3.48 

IS 

8.54 

7-93 

7.25 

6.51 

5.67 

4-75 

3-74 

2.62 

8.62 

7.88 

7.07 

6.17 

5.17 

4.07 

2.85 

1.51 

S 

8.67 

7.78 

6.79 

5.69 

4-47 

3.14 

1.66 

O.OO 

8.69 

7.58 

6.35 

5.00 

3.5i 

1.86 

0.00 

39 

8.64 

7.24 

5 -7o 

4.00 

2.12 

0.00 

40 

8.49 

6.68 

4.68 

2.48 

0.00 

4i 

8.15 

5.72 

3.03 

0.00 

42 

7.44 

3-94 

0.00 

43 

5-77 

0.00 

44 

0.00 

Comb.496 


End.Age45 


494 


Principles  and   Practice 


Table  No.  CLXXXL— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE    AT   THE  AGE   OF  FORTY-FIVE    OR    AT 

DEATH   IF  PRIOR,  DURING    VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


9th 

lOth 

11th 

12th 

13th 

14th 

15th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.19 

6.02 

5-84 

5.64 

5.42 

5.18 

4.9I 

21 

6.16 

5.98 

5-77 

5-55 

5-30 

5-02 

4.72 

22 

6.12 

5.91 

5.68 

5.43 

5.14 

4.83 

4.48 

23 

6.07 

5.83 

5-57 

5.28 

4.96 

4.60 

4.21 

24 

5-99 

5.72 

5.42 

5.09 

4.73 

4-32 

3.88 

u 

5.90 

5-59 

5.25 

4.87 

4-45 

4.00 

3-49 

5-77 

5-42 

5-03 

4.60 

4.12 

3.60 

3.0I 

% 

5.61 

5.21 

4.76 

4.27 

3-72 

3.12 

2-45 

5.40 

4.94 

4-43 

3.87 

3.24 

2-55 

1.79 

29 

5.14 

4.61 

4.02 

3.37 

2.65 

1.86 

O.99 

30 

4.82 

4.21 

3.52 

2.77 

1-95 

1.03 

O.OO 

31 

4.41 

3- 70 

2.9I 

2.04 

1.08 

0.00 

32 

3-90 

307 

2.15 

1. 14 

0.00 

33 

3.26 

2.28 

1. 21 

0.00 

34 

2.44 

1.29 

O.OO 

g 

1-39 

0.00 

0.00 

16th 

Year. 


4.61 
4.38 
4.IO 
3-77 
3.38 

2.92 
2.37 
1.72 
0.95 
O.OO 


Age. 


20 
21 
22 

23 

24 

25 
26 

% 


17th 

Year. 


4.28 
4.OO 
3.68 
3-29 
2.83 

2.30 
1.66 
0.91 
0.00 


18th 

Year. 


3.91 
3.59 
3-21 
2.76 
2.23 

I.6I 

O.88 
O.OO 


19th 

Year. 


3.51 
3.13 
2.69 
2.17 
1.56 

O.85 
O.OO 


20th 
Year. 


3.o6 
2.62 
2.12 
1.52 
O.83 

O.OO 


2 1st 
Year. 


2-57 
2.07 
I.48 
O.81 
O.OO 


22d 

Year. 


2.02 

1.45 
O.79 
O.OO 


23d 

Year. 


I.42 
O.77 
O.OO 


24th 
Year. 


0.75 
O.OO 


End.Age50 


Comb.4% 


Op   lviFis   Insurance. 

495 

Table  No.  CLXXXII. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE  AT 

THE  AGE  OF 

FIFTY  OR  AT 

DEATH 

IF  PRIOR 

DURING  VARIOUS  YEARS, 

COM- 

BINED 

EXPERIENCE, 

FOUR  PER  CENT. 

Age. 
20 

1st 

2d 

3d 

4th 

5  th 

6th 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

7.17 

7.13 

7.08 

7.03 

6.98 

6.92 

6.86 

6.78 

21 

7.25 

7.20 

7.15 

7.IO 

7.03 

6.97 

6.9O 

6.82 

22 

7-33 

7.28 

7.22 

7.16 

7.O9 

7.02 

6.94 

6.85 

23 

7.42 

7.36 

7.29 

7-23 

7-15 

7.07 

6.98 

6.88 

24 

7.51 

7-44 

7.37 

7.29 

7.21 

7.12 

7.02 

6.91 

3 

7.60 

7-53 

7-45 

7-37 

7.27 

7.17 

7.06 

6.Q3 

7.70 

7.62 

7-53 

7-44 

7-33 

7.22 

7.09 

6.94 

3 

7.80 

7.72 

7.62 

7-5i 

7-39 

7.26 

7.H 

6.94 

7.92 

7.82 

7.71 

7-58 

7-45 

7-30 

7.12 

6-93 

29 

8.03 

7.92 

7-79 

7.66 

7.50 

7.32 

7.12 

6.90 

30 
31 
32 
33 

8.16 

8.03 

7.89 

7-73 

7-54 

7-34 

7.10 

6.84 

8.29 

8.14 

7.98 

7.78 

7-57 

7-34 

7.07 

6.77 

8-43 

8.25 

8.05 

7.84 

7-59 

7-3i 

7.00 

6.66 

8-57 

8.36 

8.13 

7.88 

7.59 

7.27 

6.9I 

6.50 

34 

8.70 

8.47 

8.20 

7.90 

7-57 

7.19 

6-77 

6.31 

11 

8.85 

8.57 

8.26 

7.91 

7-52 

7.08 

6.59 

6.06 

8.99 

8.66 

8.30 

7.89 

7-43 

6.91 

6.36 

5.76 

11 

9.I4 

8.75 

8.32 

7.83 

7.29 

6.70 

6.07 

5-39 

9.28 

8.82 

8.30 

7-73 

7.11 

6.44 

5.72 

4.89 

39 

9.4I 

8.86 

8.25 

7-59 

6.87 

6.10 

5-22 

4.22 

40 
41 

9-53 

8.88 

8.16 

7.40 

6.56 

5.62 

4.54 

3.27 

9-65 

8.87 

8.04 

7-13 

6.10 

4-93 

3-55 

1.92 

42 
43 

9-75 

8.84 

7.84 

6.71 

5-43 

3.91 

2.12 

0.00 

9.87 

8.76 

7.50 

6.06 

4.36 

2.36 

O.OO 

44 

9.98 

8.54 

6.91 

4.97 

2.69 

0.00 

$ 

10.01 

8.09 

5.83 

3.16 

0.00 

9.87 

7.11 

3.85 

0.00 

% 

9-25 

501 

0.00 

7-32 

ooo 

49 

0.00 

Comb.4% 


End.Age50 


496 

Principles  and   Practice 

Table  No. 

CLXXXIL— Concluded. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE  AT  THE  AGE  OF  FIFTY 

OR  AT   DEATH 

IF  PRIOR 

,  DURING  VARIOUS 

YEARS, 

COM- 

BINED  EXPERIENCE, 

FOUR  PER  CENT. 

Age. 
20 

9th 

lOth 

11th 

12th 

13th 

14th 

15th 

16th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

6.7I 

6.62 

6-53 

6.43 

6.31 

6.18 

6.03 

5.87 

21 

6-73 

6.64 

6.53 

6.42 

6.29 

6.I3 

5-97 

5.78 

22 

6.76 

6.65 

6-53 

6.40 

6.24 

6.07 

5.88 

5.67 

23 

6.77 

6.65 

6.52 

6.36 

6.I9 

5-99 

5-77 

5-53 

24 

6.79 

6.65 

6.49 

6.31 

6.11 

5.89 

5.64 

5.36 

2 

6.79 

6.62 

6.45 

6.24 

6.01 

5.76 

5-48 

5-15 

6.78 

6-59 

6.39 

6.15 

5.89 

5.60 

5-27 

4.91 

% 

6-75 

6.54 

6.30 

6.04 

5-74 

5-40 

5.03 

4.62 

6.7I 

6.46 

6.I9 

5.89 

5-54 

5.16 

4-74 

4-30 

29 

6.64 

6.37 

6.05 

5.69 

5.30 

4.88 

4.42 

3.92 

30 

6.56 

6.23 

5.87 

5.46 

5.02 

4-55 

4.04 

3-45 

31 

6-43 

6.05 

5.64 

5.18 

4.70 

4.17 

3-57 

2.88 

32 

6.27 

5.84 

5.36 

4.86 

4-3i 

3-69 

2.98 

2.15 

33 

6.06 

5.57 

504 

4.48 

3.83 

3.10 

2.23 

1. 21 

34 

5.80 

5.25 

4.66 

3-99 

3-22 

2.32 

1.26 

0.00 

35 

5-49 

4.87 

4.17 

3-37 

2-43 

r.3I 

0.00 

30 

5. II 

4-37 

3.54 

2-55 

1.38 

0.00 

8 

4.61 

3-73 

2.69 

i-45 

O.OO 

3-95 

2.85 

1-54 

0.00 

39 

3-04 

I.65 

0.00 

40 

1-77 

O.OO 

Age. 
20 

irth 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

569 

5-48 

5.25 

4-99 

4.69 

4.37 

4.02 

3.64 

21 

5-57 

5-34 

5-07 

4-77 

4.44 

4.08 

370 

3.28 

22 

5-43 

5.16 

4.86 

4.52 

4.16 

3-77 

3-34 

2.86 

23 

5.26 

4-95 

4.61 

4.24 

3.84 

3-40 

2.91 

2.36 

24 

5.05 

4.70 

4.32 

3.91 

3-47 

2.97 

2.40 

i-73 

3 

4.80 

4.41 

4.OO 

3-55 

3.04 

2.45 

1.77 

0.96 

4-5i 

4.09 

3-63 

3.H 

2.51 

1. 81 

0.98 

0.00 

3 

4.19 

3.72 

3.18 

2-57 

1.85 

1. 00 

0.00 

3.81 

3.26 

2.64 

I.90 

I.03 

0.00 

29 

3-35 

2.71  . 

i-95 

I.06 

O.OO 

30 

2.79 

2.01 

1.09 

O  OO 

3i 

2.08 

1. 13 

0.00 

32 

1. 16 

0.00 

33 

0.00 

Age. 

25  th 

26th 

27th 

28th 

29th 

30th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

3.23 

2.76 

2.23 

1. 6l 

O.87 

O.OO 

21 

2.8l 

2.27 

I.64 

O.89 

O.OO 

22 

2.31 

I.67 

O.9O 

O.OO 

23 

I.70 

O.92 

O.OO 

24 

O.94 

O.OO 

25 

O.   O 

End.Age55 


Comb.4% 


Of  Lifk  Insurance. 

497 

Table  No.  CLXXXIII 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE    AT    THE 

AGE    OF    FIFTY-FIVE   OR    AT 

DEATH     IF 

PRIOR 

,   DURING    VARIOUS 

YEARS, 

COMBINED  EXPERIENCE.  FOUR  PER  CENT. 

1st 

2d 

3d 

4  th 

5  th 

6th 

7  th 

81  h 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.20 

7.19 

7.17 

7.16 

7.14 

7.12 

7.IO 

7.07 

21 

7.28 

7.26 

7.25 

7-23 

7-21 

7.19 

7.16 

7.14 

22 

7-36 

7-35 

7-33 

7-31 

7.28 

7.26 

7;  23 

7.20 

23 

7.45 

7-43 

7.4I 

7-39 

7.36 

7-34 

7.30 

7.27 

24 

7-55 

7.52 

7.50 

7.47 

7-45 

7.41 

7.38 

7.33 

25 

7.64 

7.62 

7-59 

7.56 

7-53 

7-49 

7-45 

7.40 

26 

7-75 

7.72 

7.69 

7.66 

7.62 

7.58 

7-53 

7-47 

3 

7.86 

7.83 

7.79 

7.76 

7.71 

7.66 

7.60 

7.52 

7.98 

7-94 

7.90 

7.86 

7.81 

7-74 

7.67 

7.58 

29 

8.IO 

8.06 

8.OI 

7.96 

7.90 

7.82 

7-74 

7.63 

30 

8.24 

8.19 

8.14 

8.07 

7-99 

7.90 

7.80 

7.67 

31 

8.37 

8.32 

8.25 

8.17 

8.08 

7.98 

7.85 

7.71 

32 

8.52 

8-45 

8.37 

8.28 

8.17 

8.04 

7.90 

7-73 

33 

8.68 

8-59 

8.50 

8.38 

8.25 

8.10 

7  93 

7-73 

34 

8.83 

8-73 

8.62 

8.48 

8.33 

8.15 

7-94 

7.71 

35 

9.00 

8.88 

8-73 

8.58 

8-39 

8.18 

7-95 

7.69 

36 

9.17 

9.02 

8.86 

8.67 

8-45 

8.20 

7-94 

7.68 

37 

9-33 

9.17 

8-97 

8.74 

8.49 

8.22 

7-95 

7.68 

38 

9-5i 

9-31 

9.07 

8.81 

8-53 

8.25 

7.98 

7.66 

39 

9.69 

9-45 

9.18 

8.88 

8.59 

8.30 

7.98 

7.63 

40 

9.87 

9-59 

9.28 

8.98 

8.68 

8-34 

7.98 

7.52 

4i 

10.07 

9-74 

9.42 

9.11 

8-75 

8-37 

7.90 

7-32 

42 

10.27 

9.94 

9.60 

9.23 

8.83 

8-33 

7.72 

6.96 

43 

10.54 

10.18 

9-79 

9-36 

8.83 

8.18 

7-39 

6.42 

44 

10.87 

10.45 

9.99 

9-43 

8.73 

7.88 

6.85 

5.60 

4§ 

11.24 

10.75 

10.14 

9.40 

8.48 

7-37 

6.02 

4.38 

46 

11.68 

11.02 

10.21 

9.22 

8.01 

6.54 

4.76 

2.61 

J? 

12. 11 

11.22 

10.13 

8.80 

7.19 

5.23 

2.87 

0.00 

12.52 

11. 31 

9.82 

8.02 

5.84 

3.20 

0.00 

49 

12.87 

11. 18 

9-13 

6.65 

3.64 

0.00 

So 

13.09 

10.69 

7.78 

4.26 

0.00 

Si 

13.02 

9-47 

5.19 

0.00 

52 

12.30 

6.73 

0.00 

53 

9.82 

0.00 

54 

0.00 

Comb.4% 


End.Age55 


498 


Principles  and  Practice 


Table  No.  CLXXXIIL— Continued. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE    AT    THE    AGE    OF    FIFTY-FIVE    OR    AT 

DEATH    IF    PRIOR,    DURING    VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


Age 


35 
36 

a 

39 

40 

1 41 

42 

43 
44 

9 


9th 

Year. 


20 

7.05 

21 

7.10 

22 

7.i7 

23 

7.22 

24 

7.29 

li 

7-34 

7-39 

3 

7-44 

7.48 

29 

7.5i 

30 

7-54 

31 

7-54 

32 

7-53 

33 

7.50 

34 

7-47 

7.44 
7.42 

7.38 
7.33 

7.20 

6.97 
6.60 

6.05 

5.24 
4.07 

2.40 
0.00 


10th 

Year. 


7.OI 
7.07 
7  12 
7.18 
7-23 

7.27 
7.31 
7-34 
7-36 
7.38 

7-37 
7-35 
7.31 
7.27 
7.23 

7.19 
7.14 
7.06 
6.9I 
6.67 

6.29 

5-74 
4.94 
3.81 
2.23 

O.OO 


11th 

Year. 


6.98 

7.03 
7.08 
7.12 
7.16 


7.19 
7.14 
7.08 
703 
6.98 

6.9I 
6.82 
6.66 
6.41 
6.02 

5-47 
4.69 
3.60 
2.09 
0.00 


12th 

13th 

Year. 

Year. 

6.94 

6.90 

6.98 

6-93 

7.02 

6-95 

7.05 

6.97 

7.08 

6.98 

7.O9 

6.98 

7.IO 

6.97 

7.IO 

6-95 

7.08 

6.90 

7.O4 

6.83 

6.98 

6.76 

6.9I 

6.69 

6.85 

6.62 

6.79 

6.53 

6.71 

6.42 

6.61 

6.24 

6.44 

5.96 

6.I7 

5-57 

5.78 

5.03 

5.23 

4.27 

4.47 
3.41 
1.97 

0.00 


3.25 

1.87 

0.00 


14th 

Year. 


6.84 
6.86 
6.87 
6.88 
6.87 

6.86 
6.82 

6-77 
6.70 
6.62 

6-54 
6.46 
6.36 
6.24 
6.05 

5.78 
5.38 
4.84 
4.10 
3.II 

1.78 
0.00 


15th 

Year. 


6.77 
6.78 
6.78 
6-77 
6.75 

6.7I 
6.65 

6-57 
6.49 
6.40 

6.32 
6.21 
6.08 
5.89 
5.61 

5-21 

4.68 

3.95 
2.99 
1.70 

0.00 


16th 

Year. 


6.70 
6.69 
6.68 
6.65 
6.6l 

6.54 
6.46 
6.36 
6.27 
6.18 

6.07 
5-94 
5-74 
5-46 
5.06 

4-53 
3-82 
2.88 
1.64 
0.00 


End.Age55 


Comb.4% 


Op  Life  Insurance. 

499 

Table  No. 

CLXXXIIL— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE     AT 

the 

AGE    OF     FIFTY-FIVE    OR 

AT 

DEATH  IF 

PRIOR, 

DURING  VARIOUS 

YEARS, 

1 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

17th 

18th 

19th 

20th 

21«t 

22d 

23d 

24th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year.      1 

! 

20 

6.6i 

6.50 

6.39 

6.25 

6.09 

5.92 

5-73 

i 
5-54     I 

21 

6.59 

6.47 

6.33 

6.17 

5-99 

5.8o 

5.61 

5.42  ! 

22 

6.56 

6.42 

6.25 

6.07 

5.88 

5-69 

5-49 

5.28  ! 

23 

6.51 

6-34 

6.16 

5.96 

5.77 

5-57 

5.36 

5.12 

24 

6.44 

6.25 

6.05 

5.85 

5.66 

5.44 

5.20 

4.90 

li 

6-35 

6.15 

5-95 

5-75 

5.52 

'5.28 

4.98 

4.62 

6.25 

6.05 

5.85 

5.62 

5-37 

5.07 

4.70 

4.24 

% 

6.16 

5-95 

5.72 

5-47 

5.16 

4.78 

4-31 

3.75 

6.06 

5.83 

5-57 

5.26 

4.87 

4.40 

3.82 

3.12 

29 

5-94 

5.68 

5.36 

4-97 

4.48 

3.90 

3.18 

2.32 

30 

5.81 

5.48 

5.08 

4.58 

3.98 

3-25 

2-37 

1.30 

3i 

5.60 

5.19 

4.69 

4.07 

3-33 

2.42 

1-33 

0.00 

32 

5-32 

4.80 

4.17 

341 

2.48 

1.36 

O.OO 

33 

4.92 

4.28 

3-50 

2-54 

1-39 

0.00 

34 

4.40 

3-59 

2.62 

1-43 

0.00 

9 

3- 7o 

2.69 

1.47 

0.00 

2.78 

1.52 

0.00 

37 

1.58 

0.00 

3» 

0.00 

25th 

26th 

27th 

28th 

29th 

30th 

31st 

32d 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5-35 

5.14 

4.92 

4.64 

4-30 

3.88 

3-37 

2.76 

21 

5.21 

4.98 

4.70 

4.36 

3-93 

3-42 

2.79 

2.03 

22 

5.05 

4.76 

4.41 

3.98 

346 

2.83 

2.06 

1. 13 

23 

4.83 

4.48 

4.04 

3.51 

2.87 

2.O9 

1. 14 

O.OO 

24 

4-55 

4.IO 

3-56 

2.9I 

2.12 

1. 16 

O.OO 

2 

4.17 

3.62 

2.96 

2.15 

1. 18 

O.OO 

3-68 

3.OI 

2.I9 

I.20 

O.OO 

3 

3-o6 

2.23 

1.22 

O.OO 

2.27 

I.24 

O.OO 

29 

1.27 

O.OO 

30 

0.00 

Age. 

33d 

34th 

35th 

Year. 

Year. 

Year. 

20 

2.0I 

I. IO 

O.OO 

21 

I. II 

O.OO 

22 

O.OO 

Comb.4* 


End.Age60 


500 

Principles  and  Practice 

Table  No.  CLXXXIV. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE  AT  THE  AGE  OF  SIXTY  OR  AT    DEATH 

IF 

PRIOR 

,  DURING  VARIOUS 

YEARS, 

COM- 

BINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

1st 

2d 

3d 

4th 

5  th 

6tfa 

7th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

tear. 

Year. 

Year. 

20 

7.22 

7.22 

7.23 

7.24 

7.25 

7.25 

7.26 

7.26 

21 

7.30 

7.30 

7.31 

7-32 

7.32 

7-33 

7-34 

7.35 

22 

7.38 

7-39 

7.40 

7.40 

7.41 

7.42 

7.42 

7-43 

23 

7.48 

7.48 

7-49 

7.50 

7.50 

7.51 

7-51 

7.52 

24 

7-57 

7.58 

7.58 

7-59 

7.60 

7.60 

7.61 

7.61 

3 

7.67 

7.68 

7.68 

7.69 

7.69 

7.70 

7.70 

7.71 

7.78 

7.78 

7-79 

7.80 

7.80 

7.80 

7.81 

7.80 

3 

7.89 

7.90 

7.90 

7.9I 

7.9I 

7.9I 

7.91 

7.89 

8.01 

8.02 

8.03 

8.O3 

8.03 

8.02 

8  01 

7-99 

29 

8.14 

8.15 

8.15 

8.15 

8.15 

8.13 

8.11 

8.09 

30 

8.28 

8.28 

8.28 

8.28 

8.26 

8.25 

8.22 

8.18 

31 

8.42 

8.43 

8.42 

8.41 

8-39 

8.36 

8.32 

8.27 

32 

8.58 

8.58 

8.56 

8.54 

8.51 

8-47 

8.42 

8.36 

33 

8.74 

8.72 

8.70 

8.67 

8.63 

8-59 

8.52 

8-44 

34 

8.90 

8.88 

8.85 

8.8l 

8.76 

8.69 

8.61 

8.51 

% 

9.08 

9-05 

9.00 

8-95 

8.88 

8.80 

8.70 

8.60 

9.26 

9.21 

9.16 

9.O9 

9.00 

8.90 

8.80 

8.72 

U 

9.44 

9-38 

931 

9.22 

9.12 

9.02 

8.94 

8.89 

9-63 

9-56 

9-47 

9.36 

9.26 

9.18 

9-13 

9.08 

39 

9-83 

974 

9.63 

9-52 

9.44 

9-39 

9-33 

9-30 

40 

10.03 

9.92 

981 

9.72 

9.67 

9.62 

9-59 

9-52 

4i 

10.25 

10.13 

10.04 

9.99 

9-93 

9.90 

9.83 

9.72 

42 

10.49 

10.40 

10.34 

10.29 

10.26 

10.18 

10.07 

9.89 

43 

10.80 

10.74 

10.68 

10.65 

10.58 

10.46 

10.27 

10.02 

44 

11. 19 

11. 13 

11.09 

11.02 

10.89 

10.70 

10.43 

10.08 

9 

11.63 

11.60 

11.52 

"•39 

11. 19 

10.91 

10.53 

10.04 

12.17 

12.09 

11.95 

11.74 

11-45 

11.06 

10.54 

9.86 

8 

12.75 

12.60 

12.38 

12.07 

11.66 

11. 11 

10.40 

9.48 

13.36 

13-13 

12  80 

12.36 

11.78 

11.03 

10.15 

8.82 

49 

14.01 

13.66 

13.19 

12.57 

11.77 

10.72 

9.41 

7.76 

50 

14.69 

14.18 

13.52 

12.65 

11.53 

10.12 

8.34 

6.13 

5i 

15.39 

14.67 

13.73 

12.51 

10.98 

9-05 

6.64 

3-67 

52 

16.10 

15-07 

13.73 

12.05 

9.94 

7.29 

4.03 

0.00 

S3 

16.80 

15.30 

13.43 

11.08 

8.13 

4-49 

0.00 

54 

17.39 

15.27 

12.59 

9.24 

5.10 

0.00 

H 

17.83 

14.70 

10.79 

5.96 

0.00 

17.87 

13.11 

7.24 

0.00 

11 

16.97 

9-37 

0.00 

13.63 

0.00 

59 

0.00 

End.Age60 


Comb.4% 


Of  Life  Insurance. 

50i 

Table  No. 

CLXXXIV.— Continued. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE  AT 

THE  AGE  OF 

SIXTY 

OR  AT  DEATH 

IF 

PRIOR 

,  DURING  VARIOUS  YEARS, 

COM- 

BINED 

EXPERIENCE, 

FOUR 

PER  CENT. 

9th 

lOth 

11th 

12th 

13th 

14th 

15th 

16th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.27 

7.28 

7.28 

7.28 

7.29 

7.28 

7.27 

7.25 

21 

7-35 

7.36 

7.36 

7-36 

7-35 

7-34 

7.32 

7.30 

22 

7-43 

7-44 

7-44 

7-43 

7.42 

7.40 

7.38 

7-34 

23 

7.52 

7.52 

7-52 

7-5o 

7-49 

7.46 

7.42 

7.38 

24 

7.61 

7.60 

7-59 

7-57 

7.55 

7.51 

7-47 

7.41 

1% 

7.70 

7.68 

7.67 

7.64 

7.60 

7.56 

7.50 

7.43    j 

7.78 

7-77 

7-74 

7.70 

7.66 

7.60 

7-53 

7-45    ! 

% 

7.88 

7.85 

7.81 

7-77 

7.71 

7-63 

7-55 

7.46    j 

7.96 

7.92 

7.88 

7.82 

7-75 

7.66 

7.57 

7.51    i 

29 

8.05 

8.00 

794 

7.86 

7.78 

7.69 

7.62 

7.58 

30 

8.13 

8.07 

7-99 

7.90 

7.81 

7-75 

7.70 

7.66 

31 

8.21 

8.13 

8.04 

7-95 

7.88 

7.84 

7-79 

7.77    j 

32 

8.28 

8.19 

809 

8.02 

7.98 

7-94 

7.91 

7.86    I 

33 

8-34 

8.25 

8.18 

8.13 

8.09 

8.06 

8.OI 

7.92    i 

34 

8.42 

8-35 

8.30 

8.25 

8.23 

8.17 

8.08 

7-94    j 

35 

8-53 

8.48 

8.43 

8.41 

8-35 

8.25 

8.11 

7-91   ! 

36 

8.68 

8.63 

8.60 

8.54 

8.45 

8.30 

8.09 

7.81  j 

37 

8.84 

8.82 

8.75 

8.66 

8.50 

8.29 

8.01 

7.63     ! 

38 

9-°5 

8.99 

8.88 

8.73 

8.51 

8.22 

7.83 

7-33   i 

39 

9.24 

9.14 

8.98 

8.75 

8-45 

8.05 

7-54 

6.87 

40 

9.41 

9-25 

9.02 

8.70 

8.30 

7-77 

7.08 

6.21   | 

4i 

9-55 

9-3i 

9.00 

8-57 

8.03 

7.3i 

6.42 

5.29 

42 

9.64 

9-3i 

8.88 

8.31 

7-57 

6.64 

5.48 

4.02 

43 

9.67 

9.22 

8.63 

7.86 

6.90 

5.69 

4.18 

2.31   ! 

44 

9.60 

8.99 

8.19 

7.19 

5-93 

4-35 

2.40 

0.00 

4§ 

9.40 

8.56 

7.51 

6.20 

4-55 

2.51 

0.00 

46 

8.99 

7.89 

6.51 

4-77 

2.64 

0.00 

8 

8.32 

6.86 

5-03 

2.78 

0.00 

7.27 

5-34 

2-95 

0.00 

49 

5.69 

3-14 

0.00 

50 

3.38 

0.00 

5i 

0.00 

Comb.4% 


End.Age60 


502 

Principles  and  Practice 

Table  No. 

I 
CLXXXIV.—  Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE    AT     THE     AGE     OF     SIXTY     OR    AT 

DEATH  IF  PRIOR 

,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.23 

7.19 

7-15 

7.O9 

7.03 

6.95 

6.87 

6.8l 

21 

7.26 

7.22 

7.17 

7.H 

7.02 

6.94 

6.88 

6.84 

22 

7.30 

7.24 

7.17 

7.IO 

7.OI 

6-95 

6.92 

6.88 

23 

7.33 

7.25 

7.18 

7.O9 

7-03 

6.99 

6.95 

6.93 

24 

7-34 

7.26 

7.18 

7.H 

7.08 

7.O4 

7.02 

6.97 

11 

7-35 

7.27 

7.20 

7.17 

7.12 

7.IO 

7.05 

6.97 

7.36 

7.30 

7.26 

7.22 

7.20 

7.15 

7.07 

6.94 

% 

7.40 

7.36 

7.32 

7.30 

7.24 

7.16 

7.04 

6.86 

7-47 

7.42 

7.40 

7-35 

7.27 

7.14 

6.96 

6.72 

29 

7-54 

7.52 

7.46 

7.38 

7.25 

7.07 

6.83 

6.51 

30 

7.64 

7.58 

7.50 

7-37 

7.18 

6.94 

6.61 

6.19 

31 

7.71 

7-63 

7-49 

7.31 

7.06 

6-73 

6.30 

5.73 

32 

7-77 

7.63 

7.44 

7.19 

6.85 

6.4I 

5-84 

5-12 

33 

7.78 

7.58 

7-32 

6.98 

6.53 

5-95 

5.22 

4.31 

34 

7-74 

7-47 

7.12 

6.67 

6.07 

5-33 

4.40 

3.22 

* 

7.64 

7.28 

6.81 

6.21 

5-45 

4.49 

3.30 

1.82 

7-45 

6.97 

6.35 

5-57 

4.60 

3-37 

1.86. 

0.00 

11 

7.14 

6.51 

5.7i 

4.71 

3-45 

1. 91 

0.00 

6.68 

5-86 

4.83 

3.55 

1.96 

O.OO 

39 

6.03 

4-97 

3-65 

2.01 

0.00 

40 

5-12 

376 

2.08 

O.OO 

4i 

3.88 

2.14 

0.00 

42 

2.22 

0.00 

25th 

26th 

27th 

28th 

29th 

30th 

31st 

32d 

Age. 

Year. 

Year. 

Yeor. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

6.77 

6.74 

6.72 

6.67 

6.59 

6.48 

6.32 

6.IO 

21 

6.80 

6.78 

6.74 

6.66 

6.54 

6.38 

6.16 

5.87 

22 

6.86 

6.81 

6.73 

6.61 

6-45 

6.23 

5-94 

5.56 

23 

6.88 

6.81 

6.69 

6.52 

6.30 

6.00 

5-62 

5.12 

24 

6.89 

6.77 

6.60 

6.37 

6.07 

5.68 

5.18 

4-54 

li 

6.85 

6.68 

6-45 

6.15 

5.76 

5.24 

4.60 

3-79 

6.77 

6.54 

6.23 

5.83 

5-31 

4.66 

3.84 

2.82 

2 

6.63 

6.32 

5.91 

5.38 

4-73 

3-90 

2.86 

1.58 

6.41 

6.00 

5.46 

4.80 

3  95 

2.90 

1.60 

0.00 

29 

6.09 

5.55 

4.87 

4.01 

2.95 

I.63 

0.00 

30 

5-64 

4-95 

4.08 

2.99 

1.65 

O.OO 

31 

5.03 

4.15 

3-04 

1.68 

0.00 

32 

4-23 

3.10 

I.71 

0.00 

33 

3.16 

1-75 

0.00 

34 

1.78 

0.00 

3 

3d 

1 

14th 

J 

15th 

36  th 

37th 

38th 

39th 

At 

5E. 

\ 

rear. 

1 

rear. 

1 

tear. 

Year. 

Year. 

Year. 

Year. 

2 

0 

5.81 

5-44 

4.96 

4-35 

3-59 

2.63 

1.45 

2 

X 

5.50 

5  0I 

4-39 

3.62 

2.66 

1.47 

O.OO 

2 

2 

5.06 

4.44 

3-66 

2.69 

I.48 

O.OO 

2 

3 

4.49 

3- 70 

2.72 

I.50 

O.OO 

2 

4 

3-75 

2.75 

1-52 

O.OO 

2 

§ 

2.78 

1.54 

0.00 

2 

1.56 

0.00 

End.Age65 


Comb.4% 


Of   Life   Insurance. 

503 

Table  No.  CLXXXV. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE   AT   THE 

AGE  OF    SIXTY-FIVE 

OR    AT 

DEATH    IF 

PRIOR 

,  DURING  VARIOUS 

YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

1st 

2d 

3d 

4th 

5th 

Gth 

7  th 

8th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7-23 

7.25 

7.27 

7-30 

7-32 

7-34 

7-37 

7-39 

21 

7-3i 

7-33 

7-36 

7.38 

7.40 

7-43 

7-45 

7.48 

22 

7.40 

7.42 

7-45 

7-47 

7-49 

7.52 

7-55 

7.58 

23 

7-49 

7.52 

7-54 

7.56 

7-59 

7.62 

7.65 

7.68 

24 

7-59 

7.6l 

7.64 

7.66 

7.69 

7.72 

7.76 

7.79 

u 

7.69 

7.72 

7-74 

7-77 

7.80 

7.84 

7.87 

7.90 

7.80 

7.82 

7.86 

7.89 

7.92 

7-95 

7-99 

8.0I 

27 

7.91 

7-94 

7-97 

8.0I 

8.O4 

8.07 

8.10 

8.13 

28 

8.04 

8.07 

8.10 

8.13 

8.17 

8.20 

8.22 

8.25 

29 

8.17 

8.20 

8.24 

8.27 

8.30 

8.32 

8.35 

8-37 

30 

8.31 

8-34 

8.38 

8.41 

8-43 

8.46 

8.48 

8-49 

31 

8.46 

8.49 

8.52 

8-55 

8.58 

8.60 

8.61 

8.62 

32 

8.62 

8.65 

8.67 

8.70 

8.72 

8-73 

8.74 

8.74 

33 

8.78 

8.80 

8.83 

8.85 

8.86 

8.88 

8.88 

8.86 

34 

8.94 

8.97 

8.99 

9.OO 

9.02 

9.02 

9.01 

8.99 

35 

9.12 

9-15 

9.16 

9.17 

9.17 

9.16 

9.14 

9.14 

36 

9-31 

9-32 

9-33 

9-33 

9-32 

9-31 

9.30 

9-33 

11 

9- 50 

9.51 

9.m 

9.50 

9.48 

9.48 

9-51 

9-58  ; 

9.70 

9.70 

9.69 

9.67 

9.66 

9.70 

9-77 

9.87 

39 

9.91 

9.89 

9.88 

9.87 

9.90 

9.98 

10.08 

10  23 

40 

10.12 

IO.IO 

10.09 

10.13 

10.21 

10.31 

10.46 

10.60  j 

4i 

10.35 

IO.34 

io.37 

10.45 

10.56 

10.71 

10.86 

10.99 

42 

10.60 

IO.64 

10.72 

10.83 

10.99 

11. 14 

11.28 

n.40 

43 

10.93 

II.02 

11. 13 

11.29 

11.44 

11.59 

11.72 

11. 81 

44 

"•34 

11.45 

11.62 

11.78 

11.92 

12.05 

12.15 

12.22 

$ 

II.  81 

II.99 

12.15 

12.30 

12.43 

12.53 

12.61 

12.64 

12.39 

12.56 

12.71 

12.85 

12.96 

13.03 

1306 

13.04 

47 

13.01 

13.17 

I33I 

13.42 

I3-50 

13.54 

13.51 

13.38 

48 

13.69 

13.83 

13.94 

14.03 

14.06 

14.03 

13.90 

13.68 

49 

14.41 

14.53 

14.61 

14.65 

14.62 

14.48 

14.25 

13.88 

50 

15.19 

15.28 

15-31 

15.28 

15.14 

14.90 

14-51 

13.93 

5i 

16.03 

16.07 

16.04 

15.89 

15.64 

15.23 

14.62 

13.78 

52 

16.94 

16.90 

16.74 

16.48 

16.06 

15.41 

14.53 

13.36 

53 

17.91 

17.74 

17.46 

17.01 

16.32 

15.39 

14-15 

12.55 

1  54 

18.91 

18.62 

18.13 

17.40 

16.41 

15.09 

13.38 

11. 16 

|55 
!  5° 

19.99 

19.47 

18.69 

17.62 

16.20 

14.37 

11.99 

8.92 

21.10 

20.25 

19.10 

17.56 

15.57 

12.99 

9.66 

5.41 

57 

22.19 

20.93 

19.24 

17.07 

14.23 

10.59 

5-93 

0.00 

1  58 

23.27 

21.40 

18.98 

15.83 

11.78 

6.59 

0.00 

I9 

24.26 

21.52 

17.94 

13.35 

7.47 

0.00 

60 

25.05 

20.89 

15.55 

8.70 

0.00 

|  61 

25.30 

18.82 

10.53 

0.00 

<  62 

24.27 

13.58 

0.00 

\6J 

19.65 

O.OO 

64 

i 

0.00 

Comb.4% 


End.Age65 


504 

Principles  and  Practice 

Table  No. 

CLXXXV.— Continued. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE  AT   THE 

AGE  OF  SIXTY-FIVE  OR   AT 

DEATH  IF  PRIOR 

,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

9th 

10th 

11th 

13th 

13th 

14th 

15th 

16th 

Agb. 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

7.42 

7-45 

7.48 

7.51 

7-54 

7-57 

7-59 

7.61 

21 

7-51 

7-54 

7-57 

7.6l 

7.63 

7.65 

7.68 

7.70 

22 

7.61 

7.64 

7.67 

7.70 

7.72 

7-75 

7-77 

7.78 

23 

7.71 

7-75 

7-77 

7.80 

7.82 

7.84 

7.85 

7.86 

24 

7.82 

7.85 

7.87 

7.90 

7.9I 

7.93 

7-94 

7-94 

25 

7-93 

7.95 

7.98 

8.00 

8.OI 

8.02 

8.02 

8.01 

26 

8.04 

8.06 

8.08 

8.O9 

8.IO 

8.IO 

8.09 

8.08 

2 

8.15 

8.17 

8.18 

8.19 

8.20 

8.18 

8.17 

8.17 

8.27 

8.28 

8.29 

8.29 

8.28 

8.27 

8.26 

8.29 

29 

8.38 

8.39 

8-39 

8.38 

8.37 

8.36 

8.39 

8.46 

30 

8.50 

8.50 

8.49 

8.48 

8-47 

8.50 

8.57 

8.65 

31 

8.62 

8  61 

8  59 

8-59 

8.62 

8.68 

8.77 

8.90 

32 

8.73 

8.72 

8.71 

8.74 

8.8l 

8.90 

9.03 

9.15 

33 

8.85 

8.84 

8.87 

8-94 

9-°3 

9.17 

9.29 

9.40 

34 

8.98 

9.01 

9.09 

9.18 

9-3i 

9-44 

9-55 

9.66 

$ 

9.17 

9.24 

9-33 

9-47 

9.60 

9.72 

9.82 

9.90 

9.40 

9- 50 

9.64 

9-77 

9.89 

9.99 

10.08 

10.14 

U 

9.68 

9.82 

9-95 

IO.08 

10.18 

10.27 

10.33 

10.35 

10.02 

10.15 

10.28 

IO.39 

10.47 

10.53 

10.56 

10.54 

39 

10.37 

10.50 

10.61 

IO.70 

10.76 

10.78 

10.76 

10.66 

40 

10.73 

10.85 

10.94 

II.OO 

11.03 

11. 01 

10.90 

10.73 

4i 

11. 12 

11.20 

11.27 

II.29 

11.27 

11. 17 

10.99 

10.71 

42 

11.49 

11.56 

11-59 

II.56 

11-45 

11.27 

10.98 

10.54 

43 

11.87 

11.90 

11.88 

11.77 

11.58 

11.28 

10.83 

10.21 

44 

12  25 

12.23 

12. 11 

II.92 

11. 61 

11. 14 

10.51 

9.66 

8 

12.61 

12.50 

12.30 

II.98 

11.49 

10.84 

9.96 

8.84 

12.92 

12.71 

12.38 

11.88 

11. 21 

10.30 

9.14 

7.62 

8 

13.17 

12.83 

12.31 

11. 61 

10.67 

9-47 

7.89 

5.88 

13-33 

12.79 

12.06 

11.09 

9-83 

8.20 

6.10 

3-42 

49 

13-32 

12.56 

".55 

10.25 

8.54 

6.36 

3.56 

0.00 

50 

13.13 

12.08 

10.71 

8-93 

6.65 

3.72 

0.00 

5i 

12.67 

11.24 

9-38 

6.97 

3.90 

0.00 

52 

11.85 

9.88 

7-35 

4.11 

0.00 

53 

10.47 

7-79 

4.36 

0.00 

54 

8.31 

4.65 

0.00 

P 

4.99 

0.00 

0.00 

i 

End.Age65 


Comb.4* 


Of  Life  Insurance. 

505 

Table  No 

CLXXXV.— Continued. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE    AT 

the 

AGE    OF   SIXTY-FIVE   OR   AT 

DEATH  IF 

PRIOR, 

DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

17th 

l*th 

19th 

20th 

21st 

22d 

23d 

24th 

Year. 

Year. 

Year. 

Year. 

"Year. 

Year. 

Year. 

Year. 

20 

7.63 

7.64 

7.65 

7.65 

7.64 

7.63 

7.63 

7.65 

21 

7.71 

7.72 

7.72 

7.71 

7.70 

7.69 

7.72 

7.78 

22 

7-79 

7-79 

7.78 

7-77 

7.76 

'    7.78 

7.85 

7.93 

23 

7.86 

7.85 

7.84 

7.83 

7.86 

7.92 

8.00 

8.12 

24 

7-93 

7.9I 

7.91 

7.93 

8.00 

8.08 

8.20 

8.3I 

2| 

8.00 

7-99 

8.0I 

8.08 

8.16 

8.28 

8-39 

8.5O 

26 

8.07 

8.IO 

8.17 

8.25 

8-37 

8.48 

8-59 

8.67 

3 

8.I9 

8.26 

8-34 

8.46 

8.58 

8.68 

8-77 

8.85 

8.35 

8.44 

8.56 

8.68 

8.79 

8.88 

8  95 

9.OO 

29 

8-54 

8.67 

8.78 

8.90 

8.99 

9  06 

Q.I2 

9.I4 

30 

8.78 

8.9O 

9.OI 

9.10 

9.18 

9.24 

9.26 

9.24 

31 

9.02 

9.13 

9-23 

9-31 

9.36 

9-38 

9-36 

9.28 

32 

9.26 

9-36 

9.44 

9- 50 

9-52 

9-50 

9.4I 

9.26 

33 

9-50 

9.58 

9.64 

9.66 

9.64 

9.55 

9.4O 

9.l6 

34 

9-74 

9-79 

9.82 

9.80 

9.71 

9-55 

9-30 

8.93 

li 

9.96 

9.98 

9.96 

9.87 

9.71 

9.46 

9.08 

8.56 

10.16 

10.14 

10.05 

9.89 

9-63 

9.24 

8.72 

8.0I 

I? 

io.33 

10.24 

10.07 

9.81 

9.42 

8.88 

8.16 

7.24 

10.44 

10.28 

10.01 

9.60 

9.06 

8-33 

7-39 

6.16 

39 

10.49 

10.22 

9.81 

9.25 

8.51 

7-54 

6.29 

4.68 

40 

10.45 

10.03 

9.46 

8.70 

7.71 

6.43 

4.79 

2.68 

4i 

10.27 

9.69 

8.91 

7.90 

6.59 

4.90 

2.74 

0.00 

42 

9-94 

9-13 

8.10 

6.76 

5-03 

2.81 

O.OO 

43 

9-39 

8-33 

6.94 

5.17 

2.89 

0  00 

44 

8.57 

7.15 

5.32 

2.98 

0.00 

9 

7-37 

5.49 

307 

0.00 

5.67 

3-17 

0.00 

8 

3.29 

0.00 

0.00 

• 

Comb.4% 


End.Age65 


506 

Principles  and   Practice 

Table  No. 

CLXXXV.— Concluded. 

I 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE   AT   THE 

AGE   OF   SIXTY-FIVE 

OR  AT 

DEATH  IF  PRIOR 

DURING  VARIOUS  YEARS 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

25th 

26th 

STth 

28th 

29th 

30th 

31st 

32d 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.7I 

7-79 

7.9O 

8.0I 

8. II 

8.20 

8.27 

8.31 

21 

7.86 

7-97 

8.08 

8.18 

8.26 

8.33 

8.38 

8.40 

22 

8.04 

8.15 

8.25 

8-34 

8.4I 

8.46 

8.48 

8.46 

23 

8.23 

8-33 

8.4I 

8-49 

8-54 

8.56 

8.54 

8.46 

24 

8.41 

8.50 

8-57 

8.62 

8.64 

8.62 

8.54 

8.4I 

11 

8.58 

8.66 

8.7I 

8.73 

8.7I 

8.63 

8.49 

8.27 

8.75 

8.80 

8.82 

8.80 

8.72 

8.58 

8.36 

8.02 

u 

8.90 

8.92 

8.9O 

8.82 

8.68 

8.45 

8.11 

7.65 

9.03 

9.01 

8.92 

8.78 

8-55 

8.21 

7-74 

7.12 

29 

9.12 

9.03 

8.89 

8.66 

8.31 

7.84 

7.21 

6.39 

30 

9-15 

9.01 

8.77 

8.42 

7-94 

7.30 

6.47 

5-40 

3* 

9-13 

8.89 

8-53 

8.05 

7.40 

6.56 

5.47 

4.07 

32 

9.02 

8.66 

8.16 

7- 50 

6.66 

5-55 

4.13 

2.31 

33 

8.79 

8.29 

7.62 

6.76 

5.64 

4.19 

2-35 

O.OO 

34 

8.42 

7-74 

6.87 

5-73 

4.26 

2.33 

0.00 

u 

7.87 

6.98 

5.82 

4-33 

2.42 

O.OO 

7.11 

5-93 

4.41 

2.47 

0.00 

11 

6.04 

4.49 

2.51 

0.00 

4.58 

2.56 

O.OO 

39 

2  62 

0.00 

33d 

34th 

35th 

36th 

37th 

38th 

39th 

40th 

Age. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

8-33 

8.32 

8.24 

8.11 

7.9O 

7.58 

7.15 

6.57 

21 

8-39 

8.31 

8.18 

7.96 

7.64 

7.21 

6.63 

5.88 

22 

8.38 

8.25 

8.03 

7.71 

7.27 

6.69 

5-93 

4-95 

1    23 

8-33 

8  11 

7.78 

7-34 

6.75 

5-99 

4-99 

3-71 

24 

8.I9 

7.86 

7.41 

6.81 

6.O4 

5.04 

3-75 

2.10 

25 

7-94 

7-49 

6.88 

6.11 

5.09 

3-79 

2.12 

0.00 

26 

7-57 

6.96 

6.17 

5.15 

3-83 

2.14 

O.OO 

II 

7.04 

6.24 

5.20 

3.87 

2.17 

0.00 

6.3I 

5-27 

3.92 

2.19 

O.OO 

29 

5-33 

3-97 

2.22 

0.00 

30 

4.02 

2.25 

0.00 

!  3I 

2.28 

0.00 

Age. 

41st 

42d 

43d 

44th 

45th 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

5.83 

4.86 

3.62 

2.02 

O.OO 

21 

4.9O 

3.65 

2.04 

O.OO 

22 

3.68 

2.06 

O.OO 

23 

.7-7— 

2.o8 

O.OO 

End.Age70  Comb.4% 


Op  Life  Insurance. 

507 

Table  No. 

CLXXXVI. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE    AT    THE    AGE 

OF    SEVENTY 

OR    AT 

DEATH  IF 

PRIOR,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age 

1st 

2d 

3d 

4th 

5th 

6th 

7  th 

8th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

7.24 

7.27 

7.29 

7-33 

7.36 

7.40 

7-43 

7-47 

21 

7.32 

7-35 

7.38 

7.42 

7-45 

7-49 

7-53 

7-57 

22 

7.40 

7.44 

7.48 

7-51 

7-55 

7-59 

7.63 

7.67 

23 

7.50 

7.54 

7-57 

7.61 

7.65 

7.69 

7-73 

7-79 

24 

7.60 

7.63 

7.67 

7.71 

7.76 

7.80 

7.85 

7.90 

2§ 

7.7O 

7.74 

7.78 

7.82 

7.87 

7.92 

7-97 

8.02 

26 

7.81 

7.85 

7.90 

7-94 

7-99 

8.04 

8.10 

8.15 

27 

7-93 

7.97 

8.02 

8.07 

8.12 

8.17 

8.23 

8.27 

28 

8.05 

8.10 

8.15 

8.20 

8.26 

8.31 

8.36 

8.41 

29 

8.18 

8.24 

8.29 

8.34 

8.4O 

8.44 

8.50 

8-55 

30 

8-33 

8.38 

8-44 

8.49 

8-54 

8-59 

8.64 

8.68 

31 

8.48 

8.53 

8-59 

8.64 

8.69 

8-74 

8.78 

8.83 

32 

8.64 

8.69 

8-74 

8.80 

8.85 

8.89 

8-94 

8.98 

33 

8.80 

8.85 

8.91 

8.96 

9.OO. 

9-05 

9.09 

9.12 

34 

8.97 

9-°3 

9.08 

9.12 

9.17 

9.21 

9.24 

9.28 

35 

9-15 

9.21 

9-25 

9-30 

9-34 

9-37 

9.41 

9-45 

36 

9-34 

9-39 

9.44 

9.48 

9-5i 

9-55 

9-59 

9.69 

37 

9-53 

9.58 

9.62 

9.66 

9.69 

9-74 

9.84 

9.98 

38 

9-74 

978 

9.82 

9-85 

9.90 

10.00 

10.15 

10.33 

39 

9-95 

9.9S 

10.02 

10.07 

10.17 

10.32 

10.51 

10.76 

40 

10.17 

10.20 

10.25 

10.35 

10.51 

10.70 

10.95 

11. 21 

4i 

10.40 

10.45 

10.55 

10.71 

10.90 

11. 16 

n-43 

11.70 

42 

10.66 

10.77 

10.93 

11. 14 

11-39 

11.66 

11.94 

12.21 

43 

11.00 

11. 16 

H-37 

11.64 

11. 91 

12.19 

12.48 

12.77 

44 

11.42 

11.63 

11.90 

12.18 

12.48 

12.76 

13.06 

13.36 

4§ 

n. 91 

12.19 

12.48 

12.77 

13.07 

13.38 

13.68 

13.98 

46 

12.50 

12.80 

13.10 

13.41 

13.72 

14.03 

14-34 

14.64 

4Z 

13.14 

13-45 

13.77 

14.09 

14.41 

14.73 

15.04 

I5-3I 

48 

13.84 

14.16 

14.49 

14.82 

I5-I5 

15.47 

15-74 

16.01 

49 

14.59 

14-93 

15-27 

15.61 

15-94 

16.22 

16.49 

16.71 

So 

15.41 

15.76 

16. 11 

16.45 

16.74 

17.02 

17-25 

17-39 

5i 

16.30 

16.66 

17.02 

17.32 

17.60 

17.84 

17.98 

18.06 

52 

17.27 

17.63 

17.95 

18.25 

18.49 

18.64 

18.72 

18.68 

S3 

1S.32 

18.65 

1S.96 

19.21 

19-37 

19-45 

19.42 

19.28 

54 

19-43 

19.76 

20.02 

20.18 

20.27 

20.23 

20.09 

19-75 

55 

20.65 

20.93 

21.10 

21.18 

21.15 

21.00 

20.65 

20.06 

56 

21.95 

22.13 

22.22 

22.18 

22.03 

21.66 

21.04 

20.08 

5Z 

23-31 

23.41 

23-37 

23.21 

22.82 

22.16 

21.15 

19.68 

58 

24.78 

24.74 

24.57 

24.15 

23.47 

22.39 

20.82 

18.69 

59 

26.34 

26.16 

25.72 

24.99 

23.84 

22.19 

19.90 

16.78 

60 

28.05 

27.58 

26.80 

25.56 

23-79 

21.34 

18.00 

13.55 

61 

29.83 

28.98 

27.65 

25.73 

23.08 

19.46 

14.66 

8.30  ! 

62 

31.68 

30.22 

28.14 

25.23 

21.28 

16.02 

9.07 

0.00 

63 

33-50 

31.19 

27-97 

23.59 

17.76 

10.06 

0.00 

1 

64 

35.22 

3I.58 

26.64 

20.05 

11.36 

0.00 

5? 

36.60 

30.88 

23.24 

13.16 

0.00 

66 

37.18 

27.98 

15.85 

0.00 

1 

'ft 

35.84 

20.30 

0.00 

! 

1  68 

29.16 

0.00 

|69 

0.00 

J 

Comb.4% 


End.Age70 


508 


Principles  and   Practice 


Table  No.  CLXXXVL— Continued. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE   AT    THE    AGE    OF    SEVENTY    OR    AT 

DEATH  IF  PRIOR,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 


20 
21 
22 

23 

24 

s 

27 
28 
29 

30 
31 
32 

33 
34 

9 

39 

40 

4i 
42 

43 
44 

$1 
8 

49 

50 
5i 
52 
53 

54 

U 
U 

59 

60 
61 


9th 

Year. 


10th 

Year. 


7-52 
7.61 
7.72 
7.83 
7-95 

8.07 
8.19 
8.32 
8.46 
8.59 

8-73 
8.87 
9.01 
9.16 
9-32 

9-54 

9-83 
10.16 

10.57 
11. 01 

11.48 
11.97 
12.50 
1306 
13.65 

14.28 

14.90 

i5o6 
16.22 
16.85 

17.46 

18.03 
18.55 
18.96 
19.19 

19.14 
18.69 
17.65 
15-76 
12.63 

7.67 
0.00 


11th 

Year. 


7.56 
7.66 

7-77 
7-89. 
8.00 

8.12 
8.25 
8-37 
8.50 
8.63 

8-77 
8.90 
904 
9.20 
9.41 

9.69. 
10.01 
10.40 
10.82 
11.27 

11.75 
12.25 
12  80 
13-35 
13-94 

14-53 
15.15 
15.77 

16.35 
16.91 

17.43 
17.90 
18.24 
18.42 
18.31 

17.81 
16.76 
14.89 
11.86 
7.15 

0.00 


7.6i 
7.7i 
7.82 

7-94 

8.05 

8.17 
8.29 
8.41 

8-54 
8.67 

8.80 

8-93 
9.09 
9.29 
9-56 

9.86 
10.25 
10.65 
11.08 
11-54 

12.02 
12-53 
13.07 
13.63 
14.19 

14-77 
15-35 
15.90 
16.42 
16.89 

17.31 
17.60 

17.72 

17.57 
17.04 

15.98 

14.13 

11.20 

6.72 

0.00 


12th 

Year. 


7.65 
7.76 
7.87 
7.98 
8.IO 

8.22 

8-33 
8.46 

8.58 
8.7O 

8.83 
8.98 
9.17 

9-43 
9-73 

10.10 
10.49 
10.90 

11.34 
11.80 

12.29 
12.81 
13-34 
13.87 
14-43 

14.97 
15.48 
15.96 
16.39 
16.77 

1 7..  02 
17.10 
16.91 
16.36 
1529 

13-47 
10.64 

6.35 
0.00 


13th 

Year. 


7.71 
7.81 
7.92 
8.03 
8.14 

8.26 
8.38 
8.50 
8.6l 

8.73 

8.87 
9.06 

9.31 
9.60 
9.96 

IO.34 
IO.74 
II. 16 
II.60 
I2.07 

12-57 
I3.08 
13.58 
14.IO 
14.62 

15.09 
15.54 
15.94 
16.28 
16.49 

16.53 
16.31 

15-74 
14.67 
12.89 

IO.14 

-    6.02 

O.OO 


14th 

Year. 


7-75 
7.86 

7-97 
8.08 
8.19 

8.30 
8.42 
8.52 
8.64 
8.78 

8.96 
9.20 
9.48 
9-83 
10.19 

10.58 
10.99 
11.42 
11.88 
12.34 

12.83 

13.31 
13.81 
14.29 
14.74 

15.15 
15.52 
15.82 
16.00 
16.02 

15.77 
15.18 
14. 1 1 
12.37 
9.70 

5-75 
0.00 


15th 

Year. 


7.80 

7  91 
8.0I 
8.12 
8.23 

8-34 
8.44 
8.56 
8.69 

8.86 

9.10 

9-37 

9.70 

10.06 

10.44 

10.83 
11.24 
11.68 
12.13 
12.60 

13.06 
13-53 
13-99 
14.41 
14.80 

15.13 
I54I 

15.56 

15.55 
15.28 

14.68 

13.62 

11.90 

9-3i 

5-5o 

0.00 


16th 

Year. 


7.85 
7-95 
8.05 
8.16 

8.27 

8-37 
8.48 
8.60 

8-77 
9.00 

9.26 

9-59 

9-93 

10.30 

10.68 

11.08 
11.50 

11.94 
12.39 
12.82 

13.28 

13.71 
14.10 

14-47 
14-77 

15.02 
15.15 
15.11 

14.83 
14.22 

13.17 

11.49 

8.96 

5-27 
0.00 


End.Age70 


Comb.4% 


Of  Lifb  Insurance. 

509 

Table  No.  CLXXXVL — Continued. 

COST  OF  INSURANCE  PER  $1000 

OF  ENDOWMENT  POLICIES 

PAYABLE    AT    THE    AGE 

OF    SEVENTY 

OR    AT 

DEATH  IF  PRIOR,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

17th 

18th 

19th 

20th 

21st 

22d 

23d 

24  th 

Agk. 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

7.89 

7-93 

7-97 

8.0I 

8.04 

8.07 

8. II 

8.I9 

21 

7-99 

8.03 

8.07 

8.IO 

8.I3 

8.17 

8.25 

8-37 

22 

8.IO 

8.13 

8.16 

8.19 

8.23 

8.31 

8.44 

8-59 

23 

8.20 

8.22 

8.26 

8.30 

8.38 

8  50 

8.66 

8.86 

24 

8.29 

8-33 

8-37 

8-45 

8.57 

8-73 

8.94 

9-15 

25 

8.40 

8.44 

8.52 

8.65 

8.8l 

9.01 

9-23 

9.45 

26 

8.52 

8.60 

8:73 

8.89 

9.IO 

9-3i 

9-53 

9.76 

27 

8.68 

8.81 

8-97 

9.18 

9.40 

9-63 

9-85 

10.08 

28 

8.90 

9.06 

9.28 

9-50 

9.72 

9-95 

10.18 

10.41 

29 

9.16 

9-38 

9.60 

9.83 

IO.05 

10.29 

10.52 

10.76 

30 

9.48 

9.70 

9-93 

IO.17 

IO.40 

10.64 

10.87 

11. 10 

31 

9.81 

10.05 

10.28 

IO.52 

IO.76 

11.00 

11.23 

H-43 

32 

10.17 

10.41 

10.65 

IO.89 

II. 13 

11-37 

11.57 

11.76 

33 

10.54 

10.78 

11.03 

II.27 

II. 51 

11.72 

11. 91 

12.07 

34 

10.93 

11. 18 

11.43 

II.67 

II.87 

12.07 

12.23 

12.33 

P 

11-33 

11.59 

11.83 

12.04 

12.24 

12.40 

12.50 

12.55 

11.76 

12.00 

12.22 

12.42 

12.58 

12.69 

12.74 

12.72 

37 

12.19 

12.41 

12.61 

12.78 

12.88 

12.93 

12.91 

12.82 

38 

12.61 

12.82 

12.99 

13.09 

I3-I4 

13.12 

13-03 

12.82 

39 

13.04 

13.21 

13.32 

13-37 

13-35 

13.26 

13.04 

12.66 

40 

13.45 

13.56 

13.62 

13.59 

13-50 

13.27 

12.89 

12.30 

41 

13.82 

13.88 

13.86 

13.76 

13.53 

13.14 

12.54 

11.67 

42 

14.  r6 

14.14 

14.04 

I3.8I 

I3-4I 

12.79 

11. 91 

10.68 

43 

14.44 

14-34 

14.10 

13.70 

13.07 

12.16 

10.91 

9.20 

44 

14.67 

14.42 

14.01 

13.37 

12.44 

11. 16 

9.41 

7.08 

45 

14.77 

14-35 

13.69 

12.74 

".43 

9.64 

7.26 

4.11 

46 

14.71 

14.04 

13-07 

11.72 

9.88 

7-44 

4.21 

0.00 

47 

14.42 

13-42 

12.04 

IO.15 

7.64 

4-32 

0.00 

48 

13.81 

12.38 

10.44 

7.86 

4-45 

0.00 

49 

12.76 

10.76 

8.10 

4-59 
O.OO 

0.00 

50 

11. 10 

8.36 

4-73 

5i 

8.65 

4.90 

0.00 

52 

5.08 

0.00 

53 

0.00 

* 

- 

Comb.4% 


End.Age70 


51° 

Principles  and   Practice 

Table  No. 

CLXXXVL— Continutd. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE    AT    THE    AGE    OF   SEVENTY 

OR    AT 

DEATH  IF  PRIOR 

,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

25th 

26th 

27th 

2Wth 

29th 

30th 

31st 

32<1 

Age. 
20 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

8.3I 

8.46 

8.66 

8.86 

9.08 

9.28 

9.50 

9.72 

21 

8.52 

8.72 

8.93 

9.14 

9-36 

9-57 

9-79 

IO.OI 

22 

8.79 

9.OO 

9.21 

943 

9.64 

9.87 

10.09 

IO.30    1 

23 

9.07 

9.29 

9-  50 

9.72 

9-95 

IO.17 

10.38 

IO.56 

24 

9.36 

9-58 

9.81 

10.03 

10.25 

I0.47 

10.65 

IO.83 

li 

9.67 

9.89 

10  12 

10.34 

10.56 

I0.75 

10.92 

II.07 

9.98 

I0.2I 

10.43 

10.66 

10.85  . 

II.03 

11. 18 

11.26 

% 

IO.31 

IO.54 

10.76 

10.95 

11. 13 

11.28 

"•37 

II.42 

IO.64 

IO.87 

11.06 

11.25 

11.40 

II.49 

H-54 

II. 51 

29 

IO.98 

II. 18 

11.36 

11.52 

11.61 

11.66 

11.64 

H.56 

30 

II.  30 

II.49 

11.64 

11.74 

11.78 

11.76 

11.68 

II.49 

31 

11.62 

11.78 

11.S7 

11.92 

11.90 

11.82 

11.62 

II.29 

32 

II.92 

I2.02 

12.06 

12.04 

11.96 

11.76 

n.43 

IO.89 

33 

12.17 

12.22 

12.20 

12. 11 

11.91 

H-57 

11.04 

10.27 

34 

12.38 

I2.36 

12.28 

12.07 

11.72 

11. 19 

10.41 

9-34 

9 

12.53 

12.44 

12.24 

11.89 

"•34 

10.56 

9-47 

7.98 

12.63 

12.42 

12.06 

11. 51 

10.71 

9.61 

8.10 

6.10 

U 

I2.6I 

12.25 

11.69 

10.88 

9.76 

8.23 

6.19 

3-5i 

12.45 

11.88 

11.05 

9.91 

8.36 

6  20 

3.56 

0.00 

39 

I2.08 

11.25 

10.09 

8.51 

6.40 

3-63 

0.00 

40 

11.45 

10.27 

8.66 

6.52 

369 

0.00 

4i 

IO.47 

8.83 

6.64 

3.76 

0.00 

42 

9.OI 

6.78 

3.84 

0.00 

43 

6.93 

3-92 

0.00 

44 

4.OI 

0.00 

45 

1 

O.OO 

0.00 

• 

■ 

End.Age70 


Comb.4% 


Op  Life  Insurance. 

5" 

Table  No.  CLXXXVL— Concluded. 

COST  OF  INSURANCE  PER  $1000  OF  ENDOWMENT  POLICIES 

PAYABLE   AT    THE    AGE    OF    SEVENTY    OR    AT 

DEATH  IF  PRIOR,  DURING  VARIOUS  YEARS, 

COMBINED  EXPERIENCE,  FOUR  PER  CENT. 

Age. 

33d 

34th 

35th 

36th 

37  th 

38th 

39th 

40th 

41st 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

9-93 

IO.14 

IO.32 

IO.49 

IO.64 

IO.72 

IO.76 

IO-75 

IO.67 

21 

I0.22 

IO.40 

I0.57 

IO.71 

IO.80 

IO.84 

IO.83 

I0.75 

I0.57 

22 

IO.48 

IO.65 

IO.80 

IO.88 

IO.93 

IO.9I 

IO.83 

IO.65 

I0.35 

23 

IO.74 

IO.88 

IO.97 

II.02 

II.OO 

IO.92 

IO.74 

IO.43 

9-95 

24 

IO.98 

II.06 

II. II 

II.09 

II. OI 

IO.83 

IO.52 

IO.04 

9-34 

2| 

II. 16 

II. 21 

II. 19 

II. II 

IO.92 

IO.61 

IO.I2 

9.42 

8-45 

26 

II. 31 

II.29 

II. 21 

II.03 

IO.71 

I0.22 

9-51 

8-53 

7.19 

3 

II.40 

11.32 

II. 13 

IO.82 

IO.32 

9.60 

8.61 

7.26 

5-47 

11.44 

II.24 

IO.92 

IO.42 

9.7O 

8.70 

7-34 

5.52 

3-13 

29 

II.36 

II.04 

I0.53 

9.80 

8.79 

7.41 

5.58 

3.16 

0.00 

30 

II. 16 

IO.64 

9.9I 

8.89 

7-49 

5.64 

3.20 

O.OO 

31 

IO.77 

I0.03 

8.99 

7.58 

5.71 

3-23 

0.00 

32 

IO.14 

9.IO 

7.67 

5.78 

3-27 

0.00 

33 

9.21 

7-77 

5.85 

3-31 

0.00 

34 

7.H7 

5.93 

3.36 

0.00 

35 

6.0I 

3.40 

O.OO 

36 

3-45 

0.00 

37 

0.00 

Age. 

12<1 

43d 

44th 

45th 

46th 

47th 

48th 

49th 

50th 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

Year. 

20 

IO.49 

IO.19 

9.72 

9.05 

8.12 

6.85 

5.15 

2.92 

O.OO 

21 

IO.27 

9.80 

9.12 

8.18 

6.9O 

5-i9 

2.94 

O.OO 

22 

9.87 

9.I9 

8.24 

6.95 

5-23 

2.96 

O.OO 

23 

9.26 

8.31 

7.OI 

5.28 

2.99 

0.00 

24 

8.38 

7.07 

5.32 

3-OI 

0.00 

2| 

I      26 

7.13 

5.36 

3.04 

O.OO 

5.41 

3.07 

O.OO 

27 

3.IO 

O.OO 

28 

O.OO 

5*3 


INDEX. 


Page. 

Accumulation , '  9 

Actuaries'  Table  of  Mortality,  The  Combined  Experience  or — 

(4  per  cent) 42,  359-511 

Actuary :        9 

American  Experience  Table  of  Mortality,  The 43,  81-358 

Three  Per  Cent 81-175 

Commutation  Columns 84 

Cost  of  Insurance 149-175 

Ordinary  Life  Single  Premium  Policies 149 

Whole  Life  Policies 150-155 

Ten  Payment  Whole  Life  Policies 156 

Fifteen      "  ■  "  «       158 

Twenty     ■  "  ■  "       160-162 

Ten      Year  Endowment  Policies 163 

Fifteen   «  "  "        164 

Twenty  "  «  "        166-168 

Twenty-five  Year  Endowment  Policies 169-171 

Thirty  "  «  "       172-175 

Logarithms  of  Commutation  Columns 86 

Net  Annual  Premiums  per  $1000 89,  127 

Single  Premiums  per  $1000  Endowment  Insurance 91-95 

Terminal  Net  Values 96-141 

Ordinary  Whole  Life  Policies 96-101 

Five  Payment  Whole  Life  Policies 102 

Ten  *  "  "  u       103 

Fifteen      "  "  "  "       104 

Twenty     ■  «  106-108 

Ten      Year   Endowment  Policies 109 

Fifteen   «  ■  "       110 

Twenty  «  ■  " 112-114 

Twenty  five  Year  Endowment  Policies 115-117 

Thirty  «  "  1 118-121 

Thirty-five        «  "  " 122-126 

Nine  Payment  Whole  Life  Policies 128 

Fourteen     «  '  "  "        130 

Nineteen     "  132-135 

Nine  Year  Endowment 136 

Fourteen  Year  Endowment 137 

Nineteen      "  " 139-141 


514  Principles  and  Practice 

Page. 

American  Experience  Table  of  Mortality,  The. 

Term  Policies,  Net  Premiums  and  Values 142-148 

Five        Year  Term 142 

Ten  -  '     143 

Fifteen       ■  u     144 

Twenty      -  '     146-148 

Value  of  an  Annuity  and   Net  Single  Premiums 88 

Three  and  One-half  Per  Cent 177-266 

Commutation  Columns 178 

Cost  of  Insurance 240-266 

Ordinary  Life  Single  Premium  Policies 240 

Whole  Life  Policies 241-246 

Ten  Payment  Whole  Life  Policies 247 

Fifteen      -  tt      "  u       249 

Twenty  u  "  *       251-253 

Ten  Year  Endowment  Policies 254 

Fifteen       ■  •  ■       255 

Twenty      u  ■  ■       257-259 

Twenty-five  Year  Endowment  Policies 260-262 

Thirty  '  '  263-266 

Logarithms    of   Commutation   Columns 179a 

Net   Annual   Premiums  per  $1000 > 181,  219 

Single   Premiums  per  $1000   Endowment  Insurance. . .  183-187 

Terminal    Net   Values 188-232 

Ordinary  Whole  Life  Policies 188-193 

Five  Payment  Whole  Life  Policies 194 

Ten  u  ■  '       195 

Fifteen  ■  ■       196 

Twenty  ■  ■  198-200 

Ten  Year  Endowment  Policies 201 

Fifteen       ■  ■  ■ 202 

Twenty      '  ■  "       204-206 

Twenty-five  Year  Endowment  Policies 207-209 

Thirty  '  "  "       210-213 

Thirty-five         "  ■  ■       214-218 

Nine  Payment  Whole  Life  Policies 220 

Fourteen     '  '  "  ■ 221 

Nineteen     "  223-226 

Nine  Year  Endowment  Policies 227 

Fourteen      "  ■  *       228 

Nineteen      ■  ■  ■       230-232 

Term   Policies,   Net   Premiums   and  Values 233-239 

Five        Year  Term 233 

Ten  ■  '     234 

Fifteen       ■  ■      235 

Twenty      ■  '     237-239 

Value  of  an   Annuity  and  Net  Single  Premiums 180 

Four  Per  Cent 267-315 

Commutation  Columns 268 


Of  Life  Insurance  515 

Pagb. 
American  Experience  Table  of  Mortality,  The,  Four  Per  Cent. 

Logarithms  of  Commutation  Columns 270 

Net  Annual  Premiums  per  $1000 272 

Single  Premiums  per  $1000  Endowment  Insurance..  .274-279 

Terminal  Net  Values 280-315 

Ordinary  Whole  Life  Policies 280-285 

Five  Payment  Whole  Life  Policies 286 

Ten  ■  "  "  «       287 

Fifteen      ■  ■  "  ■       288 

Twenty     ■  ■  *  " 290-292 

Five        Year  Endowment  Policies 293 

Ten  ■  ■  "       294 

Fifteen       "  *  "       295 

Twenty      "  ■  "       297-299 

Twenty-five  Year  Endowment  Policies 300-302 

Thirty  "  «  «       303-306 

Thirty-five         "  «  u       307-310 

Ten  Payment  15  Year  Endowment  Policies 311 

20   "       *       *   312 

25   "       "       "       313 

30   "       «       "   314 

Value  of  Annuity,  Net  Single  and  Annual  Premiums.  .  .   271 

Four  and  One-half  Per  Cent 317-358 

Commutation  Columns 318 

Logarithms  of  Commutation  Columns 320 

Net  Annual  Premiums  per  $1000  Temporary  Insurance.  .   323 

Net  Premiums  per  $1000 324 

Single  Premiums  per  $1000  Endowment  Insurance 325-329 

Terminal  Net  Values  per  $1000 330-358 

Ordinary  Whole  Life  Policies 330-334 

Ten  Payment  Whole  Life  Policies 335 

Fifteen      "  *         "  "       336 

Twenty     "  "  "       .'.'  *       338-340 

Ten  Year  Endowment  Policies 341 

Fifteen       u  *  "       342 

Twenty      "  "  "       344-346 

Twenty-five  Year  Endowment  Policies 347-349 

Thirty  «  "  "       ..350-353 

Thirty-five         "  "  *       354-358 

Amount  at  Risk 26 

Annual  and  Deferred  Dividends 14 

Annual  Premiums,  Single  and 52 

Annual  Premiums — 

American  Experience,  3    per  cent 89,  127 

3£         "        181,219 

4  *        272 

4£         "        324 


516  Principles  and  Practice 

Page. 
Annual  Premiums — 

Actuaries'  or  Combined  Experience,  4  per  cent 372-376 

Annuities,  First  Payment  Immediate,  Life 88,  180,  271,  368 

Annuity 9 

Annuity  Certain 10 

Application 11 

Assessment  Insurance 18 

Assets 11 

Assignee 11 

Assured  or  Insured 11 

Automatic  Non-Forfeiture .' 22 

Beneficiary 12 

Bonus 12 

Brokerage 12 

Claims 12 

Cash  and  Reversionary  Dividends 14 

Combined  Experience  or  Actuaries'  Table  of  Mortal- 
ity, The,  Four  Per  Cent 42,  359-511 

Commutation  Columns 362-365 

Cost  of  Insurance 463-511 

Ordinary  Life  Single  Premium 464 

*  Annual      "  465-470 

Whole  PI ve  Payment 471 

•  Ten  '        472 

■     Fifteen       -        473 

u     Twenty      ■        475-477 

Ten  Year  Endowment  Policy 478 

Fifteen         *  ■  ■      479 

Twenty        ■  ■  tt      481-483 

Twenty-five  Year  Endowment  Policy 484-486 

Thirty  ■  "  ■      487-490 

Endowment  Policies  Payable  at  Age  35 491 

"     40 492 

■  45 493 

■  50 495 

■  55 497-499 

'     60 500-502 

'     65 503-506 

■  70 507-511 

Life  Annuities — First  Payment  Immediate 368 

Logarithms  of  Commutation  Columns 366 

Net  Annual  Premiums  per  $1000 372-376 

Net  Annual  Premiums  per  $1000  Temporary  Insurance.  .  .    371 
Net  Single  Premiums  per  $1000  Endowment  Insurance  377-382 

Net  Single  Premiums  per  $1000  Whole  Life  Insurance 370 

Terminal  Net  Values 383-455 

Whole  Life  Policies 383-388 

*  "by  Five  Equal  Annual  Premiums .  .  .    389 

Ten  u  u  ...    390 


Of  Life  Insurance.  517 

Page. 
Combined  Experience  or  Actuaries'  Table  of  Mortality,  The. 
Terminal  Net  Values — 

Whole  Life  Policies  by  Fifteen  Equal  Annual  Premiums .    392 
Twenty  «  "         394-396 

Ten  Year  Endowment  Policies 397 

Fifteen       ■  "  «       399 

Twenty      ■  "  •       401-403 

Twenty-five  Year  Endowment  Policies 404-406 

Thirty  '  «  ■       407-410 

Thirty-five         ■  *  u       411-415 

Forty  ■  "  »       416-420 

Fifteen  Year  Endowments  by  Ten  Equal  Annual  Pre- 
miums      42 1 

Twenty  Year  Endowments  by  Ten  Equal  Annual  Pre- 
miums     422 

Twenty-five  Year  Endowments  by  Ten  Equal  Annual 

Premiums 423 

Thirty  Year  Endowments  by  Ten  Equal  Annual  Pre- 
miums     424 

Thirty-five  Year  Endowments  by  Ten  Equal  Annual  Pre- 
miums     425 

Endowments  by  Equal  Annual  Premiums  Payable  at 

Age  35 426 

Endowments  by  Equal  Annual  Premiums   Payable  at 

Age  40. 427 

Endowments  by  Equal  Annual  Premiums  Payable  at 

Age  45 428 

Endowments  by  Equal  Annual  Premiums  Payable  at 

Age  50 .430-432 

Endowments  by  Equal  Annual  Premiums   Payable  at 

Age  55 433-435 

Endowments  by  Equal  Annual  Premiums  Payable  at 

Age  60 436-439 

Endowments  by  Equal  Annual  Premiums  Payable  at 

Age  65 440-443 

Endowments  by  Equal  Annual  Premiums  Payable  at 

Age  70 444-448 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  35 449 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  40 449 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  45 450 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  50 451 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  55 452 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 
Age  60 453 


518  Principles  and  Practice 

Page. 
Combined  Experience  or  Actuaries'  Table  of  Moitality,  The. 
Terminal  Net  Values — 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  65 454 

Endowments  by  Ten  Equal  Annual  Premiums  Payable  at 

Age  70 455 

Term  Policies,  Net  Premiums  and  Values 456-461 

Ten       Year  Term 456 

Fifteen       ■         '     457 

Twenty      ■  "     459-461 

Commission 12 

Commutation  Columns 49 

American  Experience,  3    per  cent 84 

3i        '        178 

4  '        268 

4*        -        318 

Combined  "  4  '        362-365 

Company 12 

Complete  and  Curtate  Expectation 15 

Compound  Interest 37-42 

Compound  Interest,  Simple  and 19 

Contingencies,  Life 42-46 

Contingent  Annuity 10 

Contingent  Dividend 14 

Continuous  Instalments 17 

Contribution  Plan 13 

Convertible  Term 27 

Curtate  Expectation,  Complete  and 15 

Cost  of  Insurance 13,  57 

American  Experience,  3    per  cent. 149-175 

3J         "        240-266 

Combined  ■  4  -        463-511 

Deferred  Annuity 10 

Deferred  Dividends,  Annual  and 14 

Definitons  and  Explanations  of  Life  Insurance  Phraseology .  .  9-29 

Department,  Insurance 19 

Discount 20 

Distribution 13 

Distribution  Period 13 

Dividend 13 

Dividends,  Semi-Tontine 28 

Dividends,  Tontine 28 

Endowment 15 

Endowment  Insurance 15 

Endowment  Insurance,  Single  Premiums. 

American  Experience,  3    per  cent 91-95 

3*         "        183-187 

4  '        274-279 


Of  Life  Insurance.  519 

Page. 
Endowment  Insurance,  Single   Premiums — 

American  Experience,  4£  per  cent 325-329 

Combined  "  4  "        377-382 

Endowment  Policies,  Cost  of  Insurance- 
American  Experience,  3    per  cent 163-175 

3£         ■        254-266 

Combined  u  4         ■  478-511 

Endowment  Policies,  Terminal  Net  Values  of — 

American  Experience,  3    per  cent 109-126,  136-141 

3}         "        201-218, 227-232 

4  293-314 

4}         "        341-358 

Combined  "  4  "        397-455 

Expectation  of  Life 15 

Expected 15 

Expected  Mortality 21 

Explanations  of  Life  Insurance  Phraseology,  Definitions  and.  .9-29 

Extended  Insurance 15 

Extra  Premium 25 

Forfeiture 16 

Fraternal  Insurance 18 

Gross  Premium 25 

Gross  Premium  Valuation 29 

Impaired 16 

Industrial  Insurance 18 

Instalment  Policy 16 

Instalments,  Continuous 17 

Insurable  Interest 17 

Insurance 17 

Insurance  Company 18 

Insurance,  Cost  of .  13,  57 

Tables- 
American  Experience,  3  per  cent 149-175 

3£         "      240-266 

Combined      "  4  "      463-511 

Insurance  Department 19 

Insured 19 

Insured,  Assured  or 11 

Interest 19 

Interest,  Compound 37-42 

Interest,  Simple  and  Compound 19 

Interest  Tables  for  One  Hundred  Years  at  2  to  7  per  cent.  .61-79 

Two  per  cent 62 

Two  and  one-half  per  cent 64 

Three  per  cent 66 

Three  and  one-half  per  cent 68 

Four  per  cent 70 

Four  and  one-half  per  cent 72 

Five  per  cent 74 


520  Principles  and  Practice 

Page. 
Interest  Tables  for  One  Hundred  Years  at  2  to  7  per  cent. 

Six  per  cent 76 

Seven  per  cent 78 

Joint  Life  Annuity 11 

Lapse 20 

Last  Survivor  Annuity 11 

Law,   Massachusetts   Non-Forfeiture 32-35 

Law,  New  York  Non- Forfeiture 31 

Liability 20 

Life  Annuity 10 

Life  Contingencies 42-46 

Life  Insurance 17 

Life  Insurance  Phraseology,  Definitions  and  Explanations  of.  .9-29 

Life,  Expectation  of 15 

Life  Policy 21 

Limited  Payment 21 

Loading 21 

Logarithms  of  Commutation  Columns — 

American  Experience,  3    per  cent 86 

3*        ■        178 

4  *        270 

4i        B        320 

Combined  ■  4  ■  366 

Massachusetts   Non -Forfeiture  Law 32-35 

Mean  Value 24 

Monetary  Obligations  Dependent  on  Mortality 46 

Mortality 21 

Mortality  Table 21 

Mortality,  The  American  Experience  Table  of 43,  81 

Mortality,  The  Combined  Experience  or  Actuaries'  Table  of.42,  360 
Net  Annual  Premiums  per  $1000 — 

American  Experience,  3    per  cent 89,  127 

3*         "        181,219 

■  4  «        272 

4*        "        324 

Combined  -  4         '        372-376 

Net  Premium 25 

Net  Single  Premiums  for  Endowment  Insurances — 

American  Experience,  3    per  cent 91-  95 

3*        '        183-187 

4  "        274-279 

4£         '        325-329 

Combined  ■  4  '        377-382 

Net  Single  Premiums  for  Whole  Life  Insurances — 

American  Experience,  3    per  cent 88 

3i         '        180 

4  '        271 

4$         '        324 

Combined  ■  4         ■  370 


Of  Life  Insurance.  521 

Page. 

Net  Valuation 29 

Net  Values  of  Policies 54 

New  York  Non-Forfeiture  Law 31 

Non-Forfeiture. 22 

Non-Forfeiture  Laws ! 31-35 

Old-Line  Insurance 18 

Option ! 23 

Paid-up  Insurance 23 

Phraseology,  Definitions  and  Explanations  of  Life  Insurance  .  9-29 

Policies,  Net  Values  of .     54 

Policy 24 

Policy  Value 24 

Policy  Year 24 

Preliminary  Term  Insurance 27 

Premium 24 

Premium  Notes 25 

Premiums,  Single  and  Annual 52 

Principles  of  Life  Insurance,  Scientific 36-59 

Publishers'  Preface 3 

Pure  Endowment 15 

Renewable  Term  Insurance 27 

Renewal 25 

Reserve 26 

Reversionary  Annuity .' 10 

Reversionary  Dividends,  Cash  and. .     14 

Risk... 26 

Risk,  The  Amount   at 26 

Scientific  Principles  of  Life  Insurance 36-59 

Semi-Tontine  Dividends 28 

Single  and  Annual  Premiums 52 

Single  Premium 25 

Single  Premiums  for  Endowment  Insurances — 

American  Experience,  3    per  cent 91-  95 

■  3£  183-187 

4  "        274-279 

4*         "        325-329 

Combined  ■  4  "        377-382 

Single  Premiums  for  Whole  Life  Insurances — 

American  Experience,  3    per  cent 88 

3£         '        180 

4  ■        271 

4£         "        324 

Combined  "  4  "        370 

Surplus 26 

Surrender 26 

Surrender  Value 26 

Survivorship  Annuity 10 

Table  No.  I.         Interest  Tables,  2    per  cent 62 

*      No.  II.  "  2|         "        64 


522  Principles  and  Practice 

Page. 

Table  No.  III.      Interest  Tables,  3  per  cent 66 

No.  IV.  ■  3J        a        68 

-  No.  V.  *  4  ■        70 

-  No.  VI  *  4*         -        72 

■  No.  VII.  "  5  ■        74 

'      No.  VIII.  '  6  *        76 

■  No.  I X  ■  7  ■        78 

Tables  X  to  XLVIII.     American  Experience,  3  per  cent.  .81-175 
Table  No.  X.     American  Experience  Table  of  Mortality. ...     82 

"      No.  XI.     Commutation  Columns 84 

■  No.  XII.     Logarithms  of  Commutation  Columns 86 

No.  XIII.     Value  of  an  Annuity  of  $1,  First  Payment 

Immediate  and  Net  Single  Premiums  per  $1000  Whole 

Life  Insurance 88 

No.  XIV.     Net  Annual  Premiums  per  $1000 89 

No.  XV.     Single    Premiums    per    $1000    Endowment 

Insurance,  Payable  as  Stated 91-  95 

No.  XVI.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Equal  Annual  Premiums  till  Death. 96-101 
No.  XVII.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Five  Equal  Annual  Premiums 102 

■  No.  XVI II.  Termina'  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Ten  Equal  Annual  Premiums 103 

■  No.  XIX.  Terminal  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Fifteen  Equal  Annual  Premiums.  .  .  .    104 

"      No.  XX.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Twenty  Equal  Annual  Premiums.  .  106-108 

•  No.  XXI.  Terminal  Net  Values  per  $1000  of  Ten 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 109 

■  No.  XXII.  Terminal  Net  Values  per  $1000  of  Fifteen 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 110 

No.  XXIII.  Terminal  Net  Values  per  $1000  of  Twenty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 112-114 

■  No.  XXIV.  Terminal  Net  Values  per  $1000  of 
Twenty-five  Year  Endowment  Policies  by  Equal 
Annual  Premiums  till  Maturity 115-117 

'  No.  XXV.  Terminal  Net  Values  per  $1000  of  Thirty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 118-121 

"  No.  XXVI.  Terminal  Net  Values  per  $1000  of  Thirty- 
five  Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Maturity 122-126 

■  No.  XXVII.  Net  Annual  Premiums  per  $1000—9,  14 
and  19  Payment  Life;  9,  14  and  19  Year  Endowment  127 

"      No.    XXVIII.     Terminal    Net    Values    per    $1000    of 

Whole  Life  Policies  by  Nine  Equal  Annual  Premiums  128 


Of  Life  Insurance.  523 

Page. 
Table   No.   XXIX.      Terminal    Net    Values    per    $1000    of 
Whole  Life  Policies  by  Fourteen  Equal  Annual  Pre- 
miums      130 

'       No.  XXX.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Nineteen  Equal  Annual  Premiums.  132-135 
"       No.  XXXI.     Net  Annual  Premiums  per  $1000  of  Nine 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 136 

■  No.  XXXII.     Terminal  Net  Values  per  $1000  of  Four- 

teen Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Maturity 137 

'  No.  XXXIII.  Terminal  Net  Values  per  $1000  of  Nine- 
teen Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Maturity 139-141 

"      No.  XXXIV.     Net   Annual   Premiums  and   Terminal 

Net  Values  per  $1000  on  5  Year  Term  Policies 142 

"       No.  XXXV.     Net    Annual    Premiums    and    Terminal 

Net  Values  per  $1000  on  10  Year  Term  Policies 143 

No.  XXXVI.     Net   Annual   Premiums   and   Terminal 
Net  Values  per  $1000  on  15  Year  Term  Policies 144 

•       No.  XXXVII.     Net  Annual  Premiums  and  Terminal 

Net  Values  per  $1000  on  20  Year  Term  Policies.  .146-148 

"      No.  XXXIX.     Cost    of    Insurance    per    $1000    of    an 

Ordinary  Life  Single  Premium  Policy 149 

u      No.  XL.     Cost  of  Insurance  per  $1000  of  an  Ordinary 

Life  Policy 150-155 

"  No.  XLI.  Cost  of  Insurance  per  $1000  of  a  Ten  Pay- 
ment Life  Policy 156 

'      No.  XLII.     Cost  of  Insurance  per  $1000  of  a  Fifteen 

Payment  Life  Policy 158 

'      No.  XLIII.     Cost  of  Insurance  per  $1000  of  a  Twenty 

Payment  Life  Policy 160-162 

"       No.  XLIV.     Cost  of  Insurance  per  $1000  of  a  10  Year 

Endowment  Policy 163 

No.  XLV.     Cost  of  Insurance  per  $1000  of  a   15  Year 
Endowment  Policy 164 

"      No.  XL VI.     Cost  of  Insurance  per  $1000  of  a  20  Year 

Endowment  Policy 166-168 

■  No.  XLVII.     Cost  of  Insurance  per  $1000  of  a  25  Year 

Endowment  Policy 169-171 

"       No.  XLVIII.     Cost  of  Insurance  per  $1000  of  a  30  Year 

Endowment  Policy 172-175 

Tables  No.    XLIX  to   LXXXV.     American  Experience,  3 J 

per  cent 177-266 

Table  No.  XLIX.     Commutation  Columns 178 

"       No.  L.     Logarithms  of  Commutation  Columns 179a 

"       No.  LI.     Value  of  an  Annuity  of  $1   First  Payment 

Immediate    and    Net    Single    Premiums    per    $1000, 

Whole  Life  Insurance 180 


524  Principals  and  Practice 

Pagb. 
Table  No.  LII.     Net  Annual  Premiums  per  $1000 181 

*  No.  LIII.  Single  Premiums  per  $1000  Endowment 
Insurance,  Payable  as  Stated 183-187 

■  No.  LIV.  Terminal  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Equal  Annual  Premiums  till  Death.  188-193 

■  No.  LV.  Terminal  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Five  Equal  Annual  Premiums 194 

"      No.  LVI.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Ten  Equal  Annual  Premiums 195 

*  No.  LVII.  Terminal  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Fifteen  Equal  Annual  Premiums...    196 

■  No.  LVI II.  Terminal  Net  Values  per  $1000  of  Whole 
.Life  Policies  by  Twenty  Equal  Annual  Premiums.  198-200 

■  No.  LIX.  Terminal  Net  Values  per  $1000  of  Ten 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 201 

*  No.  LX.  Terminal  Net  Values  per  $1000  of  Fifteen 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Death 202 

■  No.  LXI.  Terminal  Net  Values  per  $1000  of  Twenty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Death 204-206 

*  No.  LXII.  Terminal  Net  Values  per  $1000  of  Twenty- 
five  Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Death 207-209 

*  No.  LXIII.  Terminal  Net  Values  per  $1000  of  Thirty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Death 210-213 

*  No.  LXIV.  Terminal  Net  Values  per  $1000  of  Thirty- 
five  Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Death 214-218 

■  No.  LXV.  Net  Annual  Premiums  per  $1000,  9,  14  and 
19  Payment  Life;    9,  14  and  19  Year  Endowment..   219 

«      No.  L.W1.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Nine  Equal  Annual  Premiums 220 

■  No.  LXVII.  Terminal  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Fourteen  Equal  Annual  Premiums. .   221 

■  No.  LXVIII.  Terminal  Net  Values  per  $1000  of  Whole 
Life  Policies  by  Nineteen  Equal  Annual  Premiums.223-226 

■  No.  LXIX.  Terminal  Net  Values  per  $1000  of  Nine  Year 
Endowment  Policies  by  Equal  Annual  Premiums  till 
Maturity 227 

■  No.  LXX.  Terminal  Net  Values  per  $1000  of  Fourteen 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 228 

-  No.  LXXI.  Terminal  Net  Values  per  $1000  of  Nine- 
teen Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Maturity 230-232 


Of  Life  Insurance.  525 

Pagb. 
Table  No.  LXXII.     Net    Annual    Premiums    and    Terminal 

Net  Values  per  $1000  on  5  Year  Term  Policies ..  .   233 

"      No.  LXXIII.     Net   Annual  Premiums   and   Terminal 

Net  Values  per  $1000  on  10  Year  Term  Policies 234 

■  No.  LXXIV.     Net   Annual   Premiums   and   Terminal 

Net  Values  per  $1000  on  15  Year  Term  Policies 235 

"      No.  LXXV.     Net    Annual    Premiums    and    Terminal 

Net  Values  per  $1000  on  20  Year  Term  Policies.  .237-239 
"      No.  LXXVI.     Cost  of  Insurance  per  $1000  of  an  Ordi- 
nary Life  Single  Premium  Policy ,   240 

"      No.  LXXVII.     Cost  of  Insurance  per  $1000  of  an  Ordi- 
nary Life  Policy 241-246 

*  No.  LXXVIII.     Cost  of  Insurance  per  $1000  of  a  Ten 

Payment  Life  Policy 247 

■  No.  LXXIX.     Cost  of  Insurance  per  $1000  of  a  Fifteen 

Payment  Life  Policy 249 

■  No.  LXXX.     Cost  of  Insurance  per  $1000.of  a  Twenty 

Payment  Life  Policy 251-253 

"       No.  LXXXI.     Cost  of   Insurance   per   $1000   of  a    10 

Year  Endowment  Policy 254 

■  No.  LXXXII.     Cost  of  Insurance  per  $1000  of  a  15 

Year  Endowment  Policy 255 

*  No.  LXXXIII.     Cost  of  Insurance  per  $1000  of  a  20 

Year  Endowment  Policy 257-259 

■  No.  LXXXIV.     Cost  of  Insurance  per  $1000  of  a  25 

Year  Endowment  Policy 260-262 

u      No.  LXXXV.     Cost  of  Insurance  per  $1000  of  a  30 

Year  Endowment  Policy 263-266 

Tables    No.    LXXXVI.    to    CVII.     American  Experience,  4 

per  cent 267-315 

Table  No.  LXXXVI.     Commutation  Columns 268 

No.  LXXXVI  I.    Logarithms  of  Commutation  Columns.  270 

■  No.  LXXXVIII.     Value  of  an  Annuity  for  One  Dollar 

First  Payment  Immediate  and  Net  Single  and  Net 
Annual  Premiums  per  $1000  Whole  Life  Insurance.  .   271 

■  No.  LXXXIX.     Net  Annual  Premiums  per  $1000 272 

"       No.  XC.     Single  Premiums  per  $1000  Endowment  In- 
surance, Payable  as  Stated 274-279 

"       No.  XCI.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Equal  Annual  Premiums  till  Death  280-285 
"       No.  XCII.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Five  Equal  Annual  Premiums 286 

"      No.  XCIII.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Ten  Equal  Annual  Premiums 287 

'       No.  XCIV.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Fifteen  Equal  Annual  Premiums ....  288 
"       No.  XCV.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Twenty  Equal  Annual  Premiums  290-292 


526  Principles  and  Practice 

Page. 
Table  No.  XCVI.     Terminal  Net  Values  per  $1000  of  Five 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 293 

■  No.  XCVII.     Terminal  Net  Values  per  $1000  of  Ten 

Year  Endowment  Policies  by  Equal  Annual  Premiums 

till  Maturity 294 

u  No.  XCVIII.  Terminal  Net  Values  per  $1000  of 
Fifteen  Year  Endowment  Policies  by  Equal  Annual 
Premiums  till  Maturity 295 

No.  XCIX.  Terminal  Net  Values  per  $1000  of  Twenty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 

till  Maturity 297-299 

*  No.  C.  Terminal  Net  Values  per  $1000  of  Twenty-five 
Year  Endowment  Policies  by  Equal  Annual  Premiums 

till  Maturity 300-302 

u  No.  CI.  Terminal  Net  Values  per  $1000  of  Thirty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 303-306 

No.  CII.  Terminal  Net  Values  per  $1000  of  Thirty-five 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 307-310 

No.  CI II.  Terminal  Net  Values  of  Fifteen  Year  En- 
dowment Policies  by  Ten  Equal  Annual  Premiums.  .    311 

No.  CIV.  Terminal  Net  Values  of  Twenty  Year  En- 
dowment Policies  by  Ten  Equal  Annual  Premiums.  .    312 

No.  CV.  Terminal  Net  Values  of  Twenty-five  Year 
Endowment  Policies  by  Ten  Equal  Annual  Premiums  313 

■  No.  CVI.      Terminal     Net     Values    of    Thirty     Year 

Endowment  Policies  by  Ten  Equal  Annual  Premiums  314 
No.  CVI  I.     Terminal  Net  Values  of  Thirty-five  Year 

Endowment  Policies  by  Ten  Annual  Equal  Premiums  315 
Tables  No.  CVIII.  toCXXIII.     American  Experience,  4}  per 

cent 317-358 

Table  No.  CVIII.     Commutation  Columns 318 

■  No.  CIX.     Logarithms  of  Commutation  Columns,  also 

Logarithms  of  Probability  of  Dying  and  of  the  Annuity 

of  $1,  First  Payment  Immediate 320 

"      No.  CX.     Annuities   for   Whole    Life,    First   Payment 

Immediate 322 

No.  CXI.  Net  Annual  Premiums  per  $1000  Tempo- 
rary Insurance  in  Terms  as  Stated 323 

"      No.  CXII.     Net  Premiums  per  $1000 324 

'      No.  CXIII.     Single  Premiums  per  $1000  Endowment 

Insurance  Payable  as  Stated 325-329 

'      No.  CXIV.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Equal  Annual  Premiums  till  Death. 330-334 

'      No.  CXV.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Ten  Equal  Annual  Premiums 335 


Of  Life  Insurance.  527 


Pagb. 
Table  No.  CXVI.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  t>y  Fifteen  Equal  Annual  Premiums ....    336 

"      No.  CXVII.     Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies  by  Twenty  Equal  Annual  Premiums. 338-340 

"  No.  CXVIII.  Terminal  Net  Values  per  $1000  of  Ten 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 341 

"  No.  CXIX.  Terminal  Net  Values  per  $1000  of  Fifteen 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity . 342 

"  No.  CXX.  Terminal  Net  Values  per  $1000  of  Twenty 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 344-346 

«  No.  CXXI.  Terminal  Net  Values  per  $1000  of  Twenty- 
five  Year  Endowment  Policies  by  Equal  Annual  Pre- 
miums till  Maturity 347-349 

■  No.  CXXII.     Terminal  Net  Values  per  $1000  of  Thirty 

Year  Endowment  Policies  by  Equal  Annual  Premiums 

till  Maturity 350-353 

«  No.  CXXIII.  Terminal  Net  Values  per  $1000  of 
Thirty-five  Year  Endowment  Policies  by  Equal  An- 
nual Premiums  till  Maturity 354-358 

Tables  No.  CXXIV  to  CLXXXVI.     Combined  Experience, 

4  per  cent 359-511 

Table  No.  CXXIV.     Actuaries'     or     Combined     Experience 

Table  of  Mortality 360 

■  No.  CXXV.     Commutation  Columns 362-365 

No.  CXXVI.     Logarithms  of  Commutation  Columns.    366 

a  No.  CXXVII.  Life  Annuities,  First  Payment  Imme- 
diate     368 

u      No.  CXXVIII.     Net  Single  Premiums  for  Whole  Life 

Insurance 370 

"  No.  CXXIX.  Net  Annual  Premiums  per  $1000  Tem- 
porary Insurance 371 

"      No.  CXXX.     Net  Annual  Premiums  per  $1000.  .  .372-376 

"       No.  CXXXI.     Single  Premiums  per  $1000  Endowment 

Insurance 377-382 

"       No.  CXXXII.    Terminal  Net  Values  per  $1000  of  Whole 

Life  Policies. 383-388 

"       No.  CXXXIII.     Terminal    Net    Values    per   $1000   of 

Whole  Life  Policies  by  Five  Equal  Annual  Premiums  389 

"       No.  CXXXIV.     Terminal    Net    Values    per    $1000    of 

Whole  Life  Policies  by  Ten  Equal  Annual  Premiums  390 

"  No.  CXXXV.  Terminal  Net  Values  per  $1000  of 
Whole  Life  Policies  by  Fifteen  Equal  Annual  Pre- 
miums      392 

No.  CXXXVI.  Terminal  Net  Values  per  $1000  of 
Whole  Life  Policies  by  Twenty  Equal  Annual  Pre- 
miums  394-396 


528  Principles  and  Practici; 

Pagb. 
Table  No.  CXXXVII.     Terminal   Net   Values  of   Ten   Year 
Endowment  Policies  by  Equal  Annual  Premiums  till 
Maturity 397 

■  No.  CXXXVIII.  Terminal  Net  Values  of  Fifteen 
Year  Endowment  Policies  by  Equal  Annual  Premiums 
till  Maturity 399 

■  No.  CXXXIX.  Terminal  Net  Values  of  Twenty  Year 
Endowment  Policies  by  Equal  Annual  Premiums  till 
Maturity 401-403 

No.  CXL.  Terminal  Net  Values  of  Twenty-five  Year 
Endowment  Policies  by  Equal  Annual  Premiums  till 
Maturity 404-406 

■  No.  CXLI.  Terminal  Net  Values  of  Thirty  Year  En- 
dowment Policies  by  Equal  Annual  Premiums  till 
Maturity 407-410 

■  No.  CXLI  I.  Terminal  Net  Values  of  Thirty-five  Year 
Endowment  Policies  by  Equal  Annual  Premiums  till 
Maturity 411-415 

■  No.  CXLIII.  Terminal  Net  Values  of  Forty  Year  En- 
dowment Policies  by  Equal  Annual  Premiums  till 
Maturity 416-420 

No.  CXLIV.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
end  of  Fifteen  Years  or  at  Death  if  Prior 421 

■  No.  CXLV.  Terminal  Net  Values  of  Endowment  Pol- 
icies by  Ten  Equal  Annual  Premiums,  Payable  at  end 
of  Twenty  Years  or  at  Death  if  Prior 422 

-  No.  CXLVI.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
end  of  Twenty-five  Years  or  at  Death  if  Prior 423 

■  No.  CXLVII.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
end  of  Thirty  Years  or  at  Death  if  Prior 424 

*  No.  CXLVIII.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
end  of  Thirty-five  Years  or  at  Death  if  Prior 425 

■  No.  CXLIX.  Terminal  Net  Values  of  Endowment 
Policies  by  Equal  Annual  Premiums  till  Maturity, 
Payable  at  the  Age  of  Thirty-five  or  at  Death  if  Prior  426 

■  No.  CL.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Equal  Annual  Premiums  till  Maturity,  Payable 
at  the  Age  of  Forty  or  at  Death  if  Prior 427 

■  No.  CLI.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Equal  Annual  Premiums  till  Maturity,  Payable 
at  the  Age  of  Forty-five  or  at  Death  if  Prior 428 

-  No.  CLII.  Terminal  Net  Values  of  Endowment 
Policies  by  Equal  Annual  Premiums  till  Maturity, 
Payable  at  the  Age  of  Fifty  or  at  Death  if  Prior ....  430-432 


Of  Life  Insurance.  529 

Page. 
Table   No.   CLIII.     Terminal     Net     Values    of    Endowment 
Policies   by   Equal   Annual   Premiums  till   Maturity, 
Payable    at   the   Age    of  Fifty-five    or   at    Death   if 
Prior 433-435 

*  No.  CLIV.  Terminal  Net  Values  of  Endowment 
Policies  by  Equal  Annual  Premiums  till  Maturity, 
Payable  at  the  Age  of  Sixty  or  at  Death  if  Prior.  .  .436-439 

"  No.  CLV.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Equal  Annual  Premiums  till  Maturity,  Payable 
at  the  Age  of  Sixty- five  or  at  Death  if   Prior 440-443 

u  No.  CLVI.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Equal  Annual  Premiums  till  Maturity,  Payable 
at  the  Age  of  Seventy  or  at  Death  if  Prior 444-448 

■  No.  CLVII.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Ten  Equal  Annual  Premiums,  Payable  at  Age 

Thirty  five  or  at  Death  if  Prior 449 

No.  CLVIII.  Terminal  Net  Values  of  Endowment  Pol- 
icies by  Ten  Equal  Annual  Premiums,  Payable  at  Age 
Forty  or  at  Death  if  Prior 449 

"  No.  CLIX.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Ten  Equal  Annual  Premiums,  Payable  at  Age 
Forty-five  or  at  Death  if  Prior 450 

"  No.  CLX.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Ten  Equal  Annual  Premiums,  Payable  at  Age 
Fifty  or  at  Death  if  Prior 451 

"  No.  CLXI.  Terminal  Net  Values  of  Endowment  Poli- 
cies by  Ten  Equal  Annual  Premiums,  Payable  at  Age 
Fifty-five  or  at  Death  if  Prior 452 

"  No.  CLXII.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
Age  Sixty  or  at  Death  if  Prior 453 

"  No.  CLXIII.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
Age  Sixty-five  or  at  Death  if  Prior 454 

"  No.  CLXIV.  Terminal  Net  Values  of  Endowment 
Policies  by  Ten  Equal  Annual  Premiums,  Payable  at 
Age  Seventy  or  at  Death  if  Prior 455 

"       No.  CLXV.     Net  Annual  Premiums  and  Terminal  Net 

Values  on  10  Year  Term  Policies 456 

"       No.  CLX VI.     Net  Annual  Premiums  and  Terminal  Net 

Values  on  15  Year  Term  Policies 457 

"       No.  CLX VI I.     Net  Annual  Premiums  and  Terminal 

Net  Values  on  20  Year  Term  Policies 459-461 

"       No.  CLXVIII.     Cost   of   Insurance    per   $1000    of   an 

Ordinary  Life  Single  Premium  Policy 464 

"  No.  CLXIX.  Cost  of  Insurance  per  $1000  of  an  Ordi- 
nary Life  Policy 465-470 

"      No.  CLXX.       Cost  of  Insurance  per  $1000  of  a  Five 

Payment  Life  Policy 471 


530  Principles  and  Practice 

Page. 
Table  No.  CLXXI.     Cost  of  Insurance  per  $1000  of  a  Ten 

Payment  Life  Policy 472 

No.  CLXXII.  Cost  of  Insurance  per  $1000  of  a  Fifteen 
Payment  Life  Policy 473 

No.  CLXXIII.     Cost    of    Insurance    per    $1000    of    a 

Twenty  Payment  Life  Policy 475-477 

1       No.  CLXXIV.     Cost  of  Insurance  per  $1000  of  a  Ten 

Year  Endowment  Policy 478 

No.  CLXXV.  Cost  of  Insurance  per  $1000  of  a  Fifteen 
Year  Endowment  Policy 479 

No.  CLXXYI.  Cost  of  Insurance  per  $1000  of  a 
Twenty  Year  Endowment  Policy 481-483 

No.  CI.XXVII.     Cost    of    Insurance    per    $1000    of   a 

Twenty-five  Year  Endowment  Policy 484-486 

"       No.  CLXXYIII.     Cost    of    Insurance   per   $1000   of  a 

Thirty  Year  Endowment  Policy 487-490 

No.  CLXXI X.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies  by  Equal  Annual  Premiums  till 
Maturity,  Payable  at  the  Age  of  Thirty-five  or  at 
Death  if  Prior 491 

No.  CLXXX.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  Age  Forty  or  at  Death 
if  Prior 492 

No,  CLXXX  I.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  Age  Forty-five  or  at 
Death  if  Prior 493 

No.  CLXXXII.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  the  Age  of  Fifty  or  at 
Death  if  Prior 495 

Xo.  CLXXXIII.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  the  Age  of  Fifty-five  or 
at  Death  if  Prior 497-499 

X...  CLXXXIV.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  the  Age  of  Sixty  or  at 
Death  if  Prior 500-502 

No.  CLXXXY.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  the  Age  of  Sixty-five  or 
at  Death  if  Prior 503-506 

Xo.  CLXXXYI.  Cost  of  Insurance  per  $1000  of  En- 
dowment Policies,  Payable  at  the  Age  of  Seventy  or 

at  Death  if  Prior 507-511 

Table  of  Contents 7 

of  Mortality,  The  American  Experience 43,  81 

of  Mortality,  The  Combined  Experience  or  Actuaries. 42,  360 

Temporary  Annuity 10 

Insurance,  Net  Annual  Premiums  for — 

American  Experience,  A\  per  cent 323 

Combined  '  4  "      371 


Of  Life  Insurance.  531 

Page 

Term  Insurance 27 

Term  Policies,  Net  Premiums  and  Values — 

American  Experience,  3    per  cent 142-148 

31        ■        233-239 

Combined  •  4  "        456-461 

Terminal  Net  Values — 

American  Experience,  3    per  cent 96-148 

3§         "        188-239 

4  "        280-315 

41         "        330-358 

Combined  "  4  ■        . , 383-461 

Terminal  Value 24 

Tontine 28 

Tontine  Dividend 28 

Valuation 29 

Values  of  Policies,    Net 54 

Whole  Life  Insurance.     Cost  of  Insurance — 

American  Experience,  3    per  cent 149-162 

31         " 240-253 

Combined  «  4  "        464-477 

Whole  Life  Insurance,  Net  Premiums  for — 

American  Experience,  3    per  cent 89-127 

31         " 181-219 

4  "        .  .  , 272 

41         " 324 

Combined  "  4  "        372-376 

Whole  Life  Insurance,  Terminal  Net  Values — 

American  Experience,  3    per  cent 96-108 

31         "        : 188-200 

"  4  "        .280-292 

41         "        330-340 

Combined  "  4  " 383-396 


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